First Equity Card Fees, Uethical Practices Columbus Georgia

Yes, other people have very valid complaints about First Equity. That is irrelevant to your particular claims of being ripped off.

You're not under attack, but if you're only willing to tell part of the story but leave out the part that really counts, then it's hard to take your side. Have you even read my posts? It doesn't seem like it...

You are saying they "took it upon themselves to allow charges". But all that is clear from your story is that you went over your limit, they charged you the standard over-limit fee, and you're angry that they "allowed" you to go over the limit.

This is not a ripoff or a scam. Even if the regular finance charges or other fees put you over. That would just be irresponsible credit card holder.

If you answer this question, then we can move forward, seriously: what unauthorized charges were "allowed" that appear on your credit card statement that put you over your limit? For example, is it a purchase you never made? An unexpected finance charge? A subscription you didn't sign up for? Help me help you help everyone. :)

Yes, other people have very valid complaints about First Equity. That is irrelevant to your particular claims of being ripped off.

You're not under attack, but if you're only willing to tell part of the story but leave out the part that really counts, then it's hard to take your side. Have you even read my posts? It doesn't seem like it...

You are saying they "took it upon themselves to allow charges". But all that is clear from your story is that you went over your limit, they charged you the standard over-limit fee, and you're angry that they "allowed" you to go over the limit.

This is not a ripoff or a scam. Even if the regular finance charges or other fees put you over. That would just be irresponsible credit card holder.

If you answer this question, then we can move forward, seriously: what unauthorized charges were "allowed" that appear on your credit card statement that put you over your limit? For example, is it a purchase you never made? An unexpected finance charge? A subscription you didn't sign up for? Help me help you help everyone. :)

Yes, other people have very valid complaints about First Equity. That is irrelevant to your particular claims of being ripped off.

You're not under attack, but if you're only willing to tell part of the story but leave out the part that really counts, then it's hard to take your side. Have you even read my posts? It doesn't seem like it...

You are saying they "took it upon themselves to allow charges". But all that is clear from your story is that you went over your limit, they charged you the standard over-limit fee, and you're angry that they "allowed" you to go over the limit.

This is not a ripoff or a scam. Even if the regular finance charges or other fees put you over. That would just be irresponsible credit card holder.

If you answer this question, then we can move forward, seriously: what unauthorized charges were "allowed" that appear on your credit card statement that put you over your limit? For example, is it a purchase you never made? An unexpected finance charge? A subscription you didn't sign up for? Help me help you help everyone. :)

Layoff!! Just type in First Equity Credit card in your search browser and see what comes up. This is a horrible company with a VERY bad reputation. See for yourself!

Layoff!! Just type in First Equity Credit card in your search browser and see what comes up. This is a horrible company with a VERY bad reputation. See for yourself!

Layoff!! Just type in First Equity Credit card in your search browser and see what comes up. This is a horrible company with a VERY bad reputation. See for yourself!

Layoff!! Just type in First Equity Credit card in your search browser and see what comes up. This is a horrible company with a VERY bad reputation. See for yourself!

As to the "unauthorized charges", you've gotten a statement or two since going over your limit. It's been months, are you saying they are keeping this a secret? Is there a big blank spot on both card statements where those charges should be, and customer service is refusing to reveal the origin of the charges after 2 months?

You may or may not be in the right, but you're not making your case by saying "I don't know how or why I believe this, but I've been ripped off!"

There is something you're not telling us, and I think that when you tell us about these "unauthorized" chares, it will clear up a lot of confusion. What does it say on the statement? Every credit statement itemizes your purchases.

I'm sure you feel ripped off. I still have the feeling that you're just angry that finance charges or something valid had put you over your limit, that's probably why they don't accept your "unauthorized charges" dispute. Credit fraud departments don't just flat-out ignore complaints of fraud.

So tell us how these "unauthorized charges" appear on your card statement, then we can help, and take it from there. Really.

Before I make a decision to purchase anything outside of the standards of living, I always think twice. I keep all of my credit card accounts locked up so that I don't just whip out the card and spend, LIKE YOU THINK. I watch a lot of financial reports and tips to be a responsible consumer, and one of the tips was, to lock up credit cards to make consumers think twice about spending. I also make sure that the charges will be within my budget. So before you point your finger again at me.. maybe you should listen to professional with good tips and you just might learn something instead pointing fingers at me. does not surprise me that you would rebuttal me like you did. some people just have to have the last word don't you!

AGAIN the charges were not made by me. that put me over the limit. with First Equity. the charges that they allowed, they would not give me any details. I am still trying to get to the bottom of those charges. and yes you are attacking me for no reason.

You're not under attack. You said that this credit card is a big ripoff because they "allowed" you to go over your limit. You indicated that the over-limit fees are unjust, and the company "took it upon themselves" to allow charges.

There's one thing you haven't made clear which is putting up red flags all over your tirade ~
What charges were made that put you over your credit limit in the first place and caused the charge of the over-limit fees? (all you keep saying is they "allowed" charges to your account) **Be clear about this. it's really all that matters here.

I sincerely hope for your sake that you're not complaining because your monthly finance charge on the unpaid balance put you over your limit.

There are indeed predatory practices, but you haven't demonstrated yourself to be a victim of such. You should take a look at why you allowed your credit account to reach its limit, and why it's necessary to lock your credit cards in a drawer to prevent you from buying things you can't afford.

You're not under attack. You said that this credit card is a big ripoff because they "allowed" you to go over your limit. You indicated that the over-limit fees are unjust, and the company "took it upon themselves" to allow charges.

There's one thing you haven't made clear which is putting up red flags all over your tirade ~
What charges were made that put you over your credit limit in the first place and caused the charge of the over-limit fees? (all you keep saying is they "allowed" charges to your account) **Be clear about this. it's really all that matters here.

I sincerely hope for your sake that you're not complaining because your monthly finance charge on the unpaid balance put you over your limit.

There are indeed predatory practices, but you haven't demonstrated yourself to be a victim of such. You should take a look at why you allowed your credit account to reach its limit, and why it's necessary to lock your credit cards in a drawer to prevent you from buying things you can't afford.

You're not under attack. You said that this credit card is a big ripoff because they "allowed" you to go over your limit. You indicated that the over-limit fees are unjust, and the company "took it upon themselves" to allow charges.

There's one thing you haven't made clear which is putting up red flags all over your tirade ~
What charges were made that put you over your credit limit in the first place and caused the charge of the over-limit fees? (all you keep saying is they "allowed" charges to your account) **Be clear about this. it's really all that matters here.

I sincerely hope for your sake that you're not complaining because your monthly finance charge on the unpaid balance put you over your limit.

There are indeed predatory practices, but you haven't demonstrated yourself to be a victim of such. You should take a look at why you allowed your credit account to reach its limit, and why it's necessary to lock your credit cards in a drawer to prevent you from buying things you can't afford.

First, I am not the reason the financial market is in a mess. I pay my bills on time and even more than what is due each and every month on my mortgage, utilities and credit accounts. I HAVE THE CREDIT SCORE TO PROVE IT.

Second, I had already spoke to this company before about these over the limit allowances before this time.

Third, I have not even used the card from paying Nov bill, again paying more than that was due, to Dec billing cycle. The card was locked up in my lock box, due to I wanted to pay it off. This company allowed charges that I did not even make or authorize.

I have never spent over my limit or spent just for the heck of spending. I know each and every month what my balances are on all of my accounts and I don't have to be embarrassed about anything. I do not need any conveniences either and I have never asked for one. I am financially responsable and again I have the credit score to prove it.

I am not the only person or small business complaining about this company. I have also filed a complaint with the Federal Trade comission as well.

Your attack on me is totally unnecessary. You have no right to judge someone before you know them. Next time you judge someone... GO LOOK IN THE MIRROR AND JUDGE yourself. I hope for your sake that the mirror does not crack or even break!

Certainly First Equity card allowed you to go over your limit as a convenience to you. The overlimit fee is exactly that, the fee you pay for the convenience of being allowed to make a purchase that goes over your limit.

Your indignance that they "let you" go over your limit is ridiculous. Credit companies often allow people to go slightly over limit in order to save their customers the embarrassment and hassle of being declined. Their policy and fees are in their credit agreement.

Take some personal financial responsibility, your reckless spending and lack of personal accountibility are the reason financial markets are a mess.

They didn't charge over your limit, as you say, but YOU charged over your limit.

A credit card is a big responsibility.