• Report: #57984
Complaint Review:

Providian National Bank, Emerge Mastercard

  • Submitted: Thu, May 22, 2003
  • Updated: Thu, May 22, 2003

  • Reported By:Streator Illinois
Providian National Bank, Emerge Mastercard
cardholderservices@emergecard.com Tilton, New Hampshire U.S.A.

Providian National Bank, Emerge Mastercard ripped off and scammed Tilton New Hampshire

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My husband and I had to file Chapter7 bankruptcy due to divorce, so in order to build our credit back we decided to take up getsmart visa's offer. A low 14% interest with a 1,000.00 credit limit. Then, because we were "such good customers" they increased our limit another 250.00.
About a month later, we were switched to emerge mastercard due to "business reorginazation" increasing our percentage to almost 30%. As we continued to pay our bill on time every month I noticed I was being socked with late charges. When I called to complain, their explanation was that it was being received 1 day late each month. Which was absolutely impossible, considering I sent the payment out 2 weeks early each month.
So, as "favor" to me they took off the last months late fee. Which was not that great, because I had been charged for so long without paying attention that it had taken me to my limit. So, now I am stuck paying on this credit card that is going to take forever to pay off with these interest rates, and to make it all the better, about 200.00 of the credit is late fees and finance charges that they scammed me out of.
Next, years taxes unfortunately will not be spent for our vacation, but to pay off this con artist based company.

Streator, Illinois

This report was posted on Ripoff Report on 05/22/2003 12:01 PM and is a permanent record located here: http://www.ripoffreport.com/reports/providian-national-bank-emerge-mastercard/tilton-new-hampshire/providian-national-bank-emerge-mastercard-ripped-off-and-scammed-tilton-new-hampshire-57984. 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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