• Report: #369268

Complaint Review: Household Bank Mastercard

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  • Submitted: Wed, September 03, 2008
  • Updated: Wed, September 03, 2008

  • Reported By:Deltona Florida
Household Bank Mastercard
householdbank.com Carol Stream, Illinois U.S.A.

Household Bank Mastercard This company keeps tacking on over the limit and late fees after there mistake and won't budge. Carol Stream Illinois

*Consumer Suggestion: You MUST pay it down!

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For over a year now this company keeps tacking on over the limit fees and late fees for their own mistake and won't own up to it , they said my payment a year ago was late then the they added the annual fee which put it over the limit and continue to keep adding them ever month. My $300 limit charge card is now at $807.30, I have called numerous times and always get sent from manager to manager and they all say to pay the balance in full and they will close the account, I even tried to pay it off and a reasonible amount and they wouldn't even consider lowering it at all. I always pay the minimun amount owed and it still keeps going up and up. I hope someone can please help.

Vickey
Deltona, Florida
U.S.A.

This report was posted on Ripoff Report on 09/03/2008 07:56 AM and is a permanent record located here: http://www.ripoffreport.com/r/Household-Bank-Mastercard/Carol-Stream-Illinois-60197-5222/Household-Bank-Mastercard-This-company-keeps-tacking-on-over-the-limit-and-late-fees-after-369268. 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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REBUTTALS & REPLIES:
0Author 1Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Suggestion

You MUST pay it down!

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

""My $300 limit charge card is now at $807.30, I have called numerous times and always get sent from manager to manager and they all say to pay the balance in full and they will close the account,""

That is essentially correct. However, you can pay it down so that the average daily balance is BELOW $300. They will continue to assess over limit fees to the account everymonth. They may also be assessing late fees as well.

If you cannot pay the full amount you need to pay it down so that the balance is BELOW $300-this will stop the assessing of the over limit fees.

""I even tried to pay it off and a reasonible amount and they wouldn't even consider lowering it at all. I always pay the minimun amount owed and it still keeps going up and up. I hope someone can please help.""

This is part of your dilema! The minimum amount due is based on the INTEREST rate, not the assessment of late fees and over limit fees. You will NEVER see the balance go down if you continue to pay the stated "minimum payment." You must get the account balance BELOW the limit, and below the limit enough so that the assessed interest and any service fees do not put the account over the limit again.

In other words; pay it down so the balance is $200 or less.
I would pay them $600. They won't close the account but at least that will get the added fees stopped. You're being killed by the fees; overlimit, late, etc.
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