• Report: #28226

Complaint Review: Nextcard Visa

  • Submitted: Tue, August 27, 2002
  • Updated: Tue, August 27, 2002

  • Reported By:West Hollywood CA
Nextcard Visa
PO BOX 60610 Phoenix, Arizona U.S.A.
  • Phone: 888-974-2265
  • Web:
  • Category: Banks

Nextcard Platinum Visa is a deceptive rip-off; customer service witheld information that closing my account would increase my interest rate. Phoenix, Arizona

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I have never been late on a payment for my Nextcard Platinum Visa. As a platinum customer,I received the benefit of a 9.9% interest rate, but was unaware of the consequences if I elected to close my account. After receiving poor customer service from a Nextcard representative in regards to a miscellaneous fee on my statement, I requested that my account be closed. The Nextcard representative made no attempt to keep a good paying customer, nor explained that by closing my account my interest rate would increase from 9.9% to 19.99%. I never heard of such a thing and have never been penalized for closing a Bank credit card in the past. I became aware of the interest rate increase on my following statement in November 2001.

I contacted customer service and they denied to reopen the account or lower my interest rate. To me this is a deceptive business practice when Nextcard's customer service representative doesn't even make an attempt to disclose the increase of interest rate or refer me to the terms & conditions of the account. Today I continue to pay my bill on time and feel as if I have been swindled by a fly by night bank.

West Hollywood, California

This report was posted on Ripoff Report on 08/27/2002 05:26 PM and is a permanent record located here: http://www.ripoffreport.com/r/Nextcard-Visa/Phoenix-Arizona-85082-0610/Nextcard-Platinum-Visa-is-a-deceptive-rip-off-customer-service-witheld-information-that-c-28226. 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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