First Financial Bank 1fbusa conniving, stealing, bad business, preying on college students, Internet

This was my first credit card ever after graduating high school. They promised low APR and quick repayment options. I started with a $250 credit limit, that steadily rose to $4,800.

Unlike most college kids I paid it on time every month and never put a lot of money on it in the beginning. However, like most college kids, money got tight and I had to use it to keep myself a float. I continued to pay it, only being late two times, until the last year.

I maxed the card out and had been laid-off. I tried to talk to them and they were of no help. I have since stopped using the card at all. Over a year of not using the card and paying every month, even if a few days late. However, the amount on the card has yet to decrease AT ALL. I have been paying over a year now and still have almost $4800 on the card.

I called today because I do not get paid until the week after the due date this month, I wanted to post-date a check ahead of time to avoid the fees. I cannot change when I get paid. I am making an effort. I was told no. Absolutely not. I then asked him why I havent used the card in over a year and yet the amount has not changed and by the next month I end up owing them a daily "over the limit" balance. He told me that was because daily I accrue interest on how much is on the card and it is taken out of the "available balance" every month. So I essentially will never be able to pay the card off until I can pay it all at once.

Once I became upset and began to yell them man told me this was a "professional" call and to keep my voice down and to not use profanity. I was livid to say the least. He then hung up on me. I cannot "close" the account because I cannot pay the entire balance at once, but I cannot get out of debt ever.

The worst credit card company to ever work with.