• Report: #255591

Complaint Review: GM Credit Card

  • Submitted: Tue, June 19, 2007
  • Updated: Wed, October 13, 2010

  • Reported By:Durham North Carolina
GM Credit Card
Dept. 9600 Carol Stream, Illinois U.S.A.

GM Credit Card usry went up to 32% without cause Ripoff Carol Stream Illinois

*Consumer Comment: Anyone can stay here at Ripoff Report and type in- GM CREDIT CARD SERVICES, and that will take you to Betty's....

*Consumer Comment: Maybe you will get caught by GM's version of Universal Default?

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Claimed delinquent credit which was unfounded. The only delinquent credit we were able to identify was a late charge from Wells Fargo back in 2001 which we knew nothing about.

Medium credit scores for both husband and wife were/are in the mid 700's. Had been GM customer for years without any delinquent payments.

Other charge cards no where near maximum limits.

Constantly receiving offers of additional credit from present charge cards. Additional credit being offered by new charge card lenders on a daily basis.

Ednace
Durham, North Carolina
U.S.A.

This report was posted on Ripoff Report on 06/19/2007 07:32 PM and is a permanent record located here: http://www.ripoffreport.com/r/GM-Credit-Card/Carol-Stream-Illinois-60128-9600/GM-Credit-Card-usry-went-up-to-32-without-cause-Ripoff-Carol-Stream-Illinois-255591. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Comment

Anyone can stay here at Ripoff Report and type in- GM CREDIT CARD SERVICES, and that will take you to Betty's....

AUTHOR: Karl - (USA)

Report where "The Collapse of the U.S. economy" was posted in 'Consumer Comment #1' on September 3rd, 2007, when the Dow Jones was over 13,000 points.

The U.S. economy "Collapsed" almost exactly one year after that comment was posted on September 3rd, 2007.

*Anyone can 'Google' this- FRONTLINE: INSIDE THE MELTDOWN, and watch that documentary on the web for proof.

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#2 Consumer Comment

Maybe you will get caught by GM's version of Universal Default?

AUTHOR: Thomas - (U.S.A.)

Your report claims that they have reached back rather far for something minor, and you have nothing more than your credit reports to refer to. What does GM say? Anything intelligent?

Perhaps next time they will find that you were late with a payment, such as you were late with your son's or daughter's allowance payment.......?

Well, it sounds like you know your solution. Make the GM card "low activity".

Maybe you have a credit union with a good & simple deal and no tricky reasons for imposing a default rate? I went 'my credit union' route. The T&C are very simple: pay on time and everything is fine and I get one screwup per year.

Most CC's offer 'great deals' with tricky reasons for imposing a default rate that are too complicated for most cardholders to really understand... until the cardholder 'gets burnt'.
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