There is no option for an extra payment even if you try 3-5 days after your regular payment has posted. It is considered the standard or monthly payment. You cannot make an extra payment on their website. They charge you $4.95 to make an extra payment over the phone.ģ. You cannot increase your monthly payment for any reason.Ģ. Now I was on the phone with a supervisor and she said she wants to transfer me to her manager and I was on hold for 10 minutes before she hung up and now I'm having to call back for 7th time! ** is this?!? Only scammers do this!!!ġ.
Can't even get an American or proper English speaking representative in customer support. Now I'm getting texts and emails saying I need to make a payment or I'm past due on a payment!?! How?! I haven't even gotten my card in the 3 months that I been waiting for it!? They want me to pay for what?!? All customer service agents are in India and you can research online about scammer companies from India. I get Amazon packages to this address daily as well as letter correspondence and bills mailed to this address every week. They keep saying my address isn't a legit address and that's why every 2 weeks when they ship a new card it doesn't arrive but I called UPS and they said my address is fine and it's probably a scam company if they are saying my address isn't deliverable. Then now an hour later when I finally get a supervisor.she said no one told me that and I told her if the calls are recorded to listen for herself. On Monday of this week they said they'll send it 2-3 day shipping for having to wait 3 months for my card. As soon as mine are paid off with my debt management plan, I am DONE. If you need a new card, they charge you for it.īasically, this card is only for people who are DESPERATE and - if you are and you're reading this, TRUST ME - there are better cards out there to help repair your credit rating. It makes me wonder if they really understand what I'm trying to ask or say.Ĩ. The people that answer you on the first tier call center - at least the ones that I've gotten - can barely speak English and I have to keep asking questions repeatedly. You constantly have to monitor statements to see (if you are in a debt managmenet program) whether they sneak in late fees or other charges and call them and remind them that you are with a debt management program.ħ. If you are in a debt management program, while they will usually consent to a new interest rate and payment with the program, they will still harass you with notices about late payments (the payments aren't late: they are made by the debt management program in charge of the payments, and are not always received by Credit One on the same date that the payment is due.) When this happens, you need to constantly monitor their statements/website to make sure they haven't assessed any fees they shouldn't have per the agreement they have with the debt management program.ĥ. Refuse to work with a card holder to lower the interest rate so that the customer can make their payments more easily.Ĥ. ASTRONOMICAL interest rates - they are a feather-width under 30% currently (4.24.23).ģ.
No grace period for a late payment - even if you call them and explain that you cannot make a payment until a certain date.Ģ.
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