Sometime in May I got a phone call from a really nice lady who was trying to offer me a credit card accepted "everywhere". She said that it was a great way to improve my credit because they reported monthly while most companies only report annually. She said that I would have a $2,500 credit line and that I could borrow up to $1,000 out of an ATM anytime. It would cost me $300 payable over two months out of my checking account. I would like to buy a house in the next couple years and I could use some help so I bit.
They caught me at work and I was in a hurry so I didn't think it through too much. When I thought about it later I got nervous because I know better than to just give out my information over the phone. I waited for my confirmation letter.
I recieved my letter and much to my dismay it was a catalog credit card! I called up customer service to tell them that I didn't want the card anymore. The pompous ***hole on the other end couldn't believe that I didn't want to do all my shopping through catalogs so he hung up on me!!! I called again later and the other man was really nice while he tried to convince me that using a credit card to buy get my son a haircut or buy gas was a horrible idea. Catalog shopping was definitly the way to go. When he finally realized that I really didn't want to catalog shop he became upset and told me that they were taking $35 from me whether I liked it or not and he hung up on me too!!!
In the end I talked to my credit union and they told me that there was nothing they could do except dispute it after they took my money. They are en excellent institution though who apologized and told me to let them know in the future about any calls like that before I agree to their terms.
I feel bad for the other people that I read about who ended up being taken for $300+ because it could've easily been me. These guys are merciless and they don't care who they rip off. Amazing, folks, really. I am a single mother who works hard at two jobs to support my family. They take advantage of people who want better things in their life by making false promises and then stealing their money. I am glad that I learned my lesson and got off cheap but I still worked hard for the money that they stole. I hope that someone reads this before they get ripped off by these scam artists. If I helped one person I will be glad. If there is any information on how to get our money back please post. Thanks for the time you took to read this.