EMBRACE VISA RIP OFF (SCAM) FPR BAD DEBTS. NEED TO FIND WAY TO CLOSE ACCOUNT COLUMBUS Georgia

THE CORRECT WEBSITE FOR EMBRACE VISA IS "WWW.MYEMBRACECARD.COM." I SAW SOMEONE ON HERE HAD PROBLEMS FINDING OUT THE WEBSITE.

I've read some of the other posts w/ the company's former name and yours Janice. It's a little scary I know we never want to fall for scams. The debt that I was contacted via mail was a valid debt. I carefully read what the company said they would do. First I had to make a minimun of $20 payment and make that payment every month.

Once I paid my debt down so far they would I guess kind of charge off a portion of my balance and during that time I would receive my credit card at the credit line they told me I would have earlier. I have friends that are upset over this...but from what I can tell they have not been using the offer as I have.

I realize that for the transfered balance there was a 0% APR BUT if you are able to use the credit card and make additional purchases then that balance is subject to the interest rates as disclosed.

For me, I wanted to clean up my credit b/c I truly do owe these debts whether they are charged off or not. This was the easiest way for me. So far it's proven to be a good thing, I've received my credit card and my balance dropped down to what they told me it would drop down to and I did receive the special credit.

As long as I don't use the card for new purchases I shouldn't acrue any new interest or fees. I think the smart way to use these offers is to pay as they advise and not to use the credit card for new purchases at least until your old debt is paid off. I'm sure if you made a purchase and still have a transferred balance your payments will go to the transferred balance first...leaving the new purchase balance sitting there collecting interest until the transferred balance is completely paid off.

I suggest to just be smart about the over, always call before accepting if you have questions. My experience with them has been good so far, the only problem I have w/ the company is the fact that I can't access the website they have on the back of my card
www.embracecard.com that seems a little suspect...but i'll keep my fingers crossed.

I've read some of the other posts w/ the company's former name and yours Janice. It's a little scary I know we never want to fall for scams. The debt that I was contacted via mail was a valid debt. I carefully read what the company said they would do. First I had to make a minimun of $20 payment and make that payment every month.

Once I paid my debt down so far they would I guess kind of charge off a portion of my balance and during that time I would receive my credit card at the credit line they told me I would have earlier. I have friends that are upset over this...but from what I can tell they have not been using the offer as I have.

I realize that for the transfered balance there was a 0% APR BUT if you are able to use the credit card and make additional purchases then that balance is subject to the interest rates as disclosed.

For me, I wanted to clean up my credit b/c I truly do owe these debts whether they are charged off or not. This was the easiest way for me. So far it's proven to be a good thing, I've received my credit card and my balance dropped down to what they told me it would drop down to and I did receive the special credit.

As long as I don't use the card for new purchases I shouldn't acrue any new interest or fees. I think the smart way to use these offers is to pay as they advise and not to use the credit card for new purchases at least until your old debt is paid off. I'm sure if you made a purchase and still have a transferred balance your payments will go to the transferred balance first...leaving the new purchase balance sitting there collecting interest until the transferred balance is completely paid off.

I suggest to just be smart about the over, always call before accepting if you have questions. My experience with them has been good so far, the only problem I have w/ the company is the fact that I can't access the website they have on the back of my card
www.embracecard.com that seems a little suspect...but i'll keep my fingers crossed.

I've read some of the other posts w/ the company's former name and yours Janice. It's a little scary I know we never want to fall for scams. The debt that I was contacted via mail was a valid debt. I carefully read what the company said they would do. First I had to make a minimun of $20 payment and make that payment every month.

Once I paid my debt down so far they would I guess kind of charge off a portion of my balance and during that time I would receive my credit card at the credit line they told me I would have earlier. I have friends that are upset over this...but from what I can tell they have not been using the offer as I have.

I realize that for the transfered balance there was a 0% APR BUT if you are able to use the credit card and make additional purchases then that balance is subject to the interest rates as disclosed.

For me, I wanted to clean up my credit b/c I truly do owe these debts whether they are charged off or not. This was the easiest way for me. So far it's proven to be a good thing, I've received my credit card and my balance dropped down to what they told me it would drop down to and I did receive the special credit.

As long as I don't use the card for new purchases I shouldn't acrue any new interest or fees. I think the smart way to use these offers is to pay as they advise and not to use the credit card for new purchases at least until your old debt is paid off. I'm sure if you made a purchase and still have a transferred balance your payments will go to the transferred balance first...leaving the new purchase balance sitting there collecting interest until the transferred balance is completely paid off.

I suggest to just be smart about the over, always call before accepting if you have questions. My experience with them has been good so far, the only problem I have w/ the company is the fact that I can't access the website they have on the back of my card
www.embracecard.com that seems a little suspect...but i'll keep my fingers crossed.