Absolutely terrible never got a bill for my yearly fee through the mail or email check my credit score noticed that I owed 65 bucks they were nice enough to weigh the late fee in and cut the fee and half I went ahead and cancelled the card I never used it so I cancelled the card and thought about it and said you know what I'll go ahead and give him a chance I requested to reopen the account they reopen the account and after I paid half the first fee they turn around and charge me another $39 fee yearly fee after opening the account so I just went ahead and closed it again the absolute worst credit card company I've ever dealt with I have 21 cards in for I use all the rest are paid off nothing against other countries but it's pretty bad when the only person you can talk to is either in the Philippines or in India ask them if they wanted to keep my business they could waive the fee for this year since I already paid $25 of it the first time so it was actually over half told me that there was no way they could do it so I just went ahead and close the count terrible credit card company terrible Bank
This bank is a scam. Yes, they let you charge on your card first. Then they block your acct. with some bogus reason and do not send you an invoice. I am not sure what their gain would be other than charging you interest and possibly ruin your credit rating. I have dealt with them since the end of June, no results. Just lie upon lie. They have no e-mail and can not give out phone numbers. You call the listed number and you get somewhere near the Phillipines or India. Like pulling teeth to get Las Vegas where you almost can understand what they are telling you. I have reported them to:CFPB and OCC. Both of them are gov. agencys and will deal direct with this bogus company. I suggest you file complaints with both of these agencys since they are set up to help innocent people like us from being scammed. Wished I had researched them first..I would have never applied for a credit card. WARNING: Stay Away!
Too bad they don't have a minus rating. Customer service is all overseas, refuse to answer or transfer to someone who can help. Finally called Henderson branch to get resolution which was I closed account. So Within 3 months they had charged me over 150.00 in annual and late fees. Considering the 1 purchase I had made in November for 127.35 and made 3 monthly minimum payments of 25.00, paid by paper checks all cleared for by my bank. remember I opened this to rebuild my credit, I now have an balance of over 200.00 plus dings to my credit. Thank you, this bank is shameful and should be accountable to the customers they serve.
I only have a great comment to give about this bank. When my credit was at its lowest, they gave me an opportunity to rebuild it by issuing me a credit card, same for my wife.The terms are a bit high but at least they didn't saddle me with several different charges like some othere credit cards that aim to help people rebuild credit charge.I am very thankful and appreciative for the opportunity and help they gave me when I needed it most.To me personally, that is priceless. I understand some of you are not happy with this bank for different reasons , but my story is different from yours, and I could never in good conscience express anything negative about this bank.
I never get statement in the mail but they call to harass me about paying them and they want me to give them my checking account numbers but I refuseThis is the worst credit card company so my advise is don't apply ever with them because there a scam
This company is the worst company in the world my credit card was stolen I have called them a million and one times there doing nothing about it but yet they're calling me every month looking for money for my bill I am calling the Better Business Bureau I am calling the banks division on these people I am calling everybody on these people one way or another I will get resolution they suck
Do your research before conducting any business with these scam artists! A simple Google search will show that they are well known for ripping off customers. They stole $5,000 from me on a card I NEVER used. Better yet, don't do business with them at all. Advise others not to do business with them either.