i sent in 38.00 for a card from them to help rebuild my credit i added my son for him a card and he had to send in money for his, he never got his card we called and called finally they said they had messed up and just sent his money back. well 3-5 yrs later he goes to get a loan and finds out he has an outstanding balance with them. now when we called they have all the info that they couldnt find back then. i know what your gonna say they said the same thing, no he wasnt on my acct, he got his own but if we signed up together he paid a little bit less like an incentive to bring someone on board with me.
it was one of those cards where you get approved for 350.00 but more then half of it you owe right away as a fee for letting them give you a card so the card comes with a statement you owe right away and you barely get any credit you can actually use but you already owe the 350.00 or 325.00 or so, i got so tired of fighting with them and the payment always being more or nothing like i understood i quit messing with them and refused to pay it, i got a call one day and made arrangements with them to start paying once a month on it and i agreed then i started getting calls repeatedly asking me to agree to a settlement and payment arrangement finally i asked one of the callers why they kept calling if i had already made the arrangements...i was told i was mininformed once it had went so far arrangements werent an option for me soooo.
i dont care about mine i cant fight them they always win, i was stupid enough to fall for it but i will not let them ruin my son, a young man starting a family and thinking about his future who has always done the right things, i will do whatever i have to help him. i gave him this site and he is going to check it out as well.
thank you for your time.