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Applied Bank Card
Issued by Applied Bank |
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| Total Posts: 5 |
Average Rating:
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Category: Regular |
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Showing 1 - 5 of a total of 5 Commentaries |
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1-5 |
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| "Run, run away from this cards!" |
For one, I have three cards all which I have paid promptly every month with out issues... Except for Applied bank...
First issue was that I had overlooked the payment in April and forgot to make it ontime( my bad) I was made aware of this from a phone call.. I made an arrangement for the payment to be debited from my account using my debit card after making sure it would be available to me that day! That day came along and payment was never debited??? With them being closed on weekends I was forced to withdraw the money from my acct to take care of other responsibilities! I called first thing Monday to have the payment removed to avoid charges yet they continued the request causing me $150 overdraft fees through my bank as well as fees associated with applied bank... Also was informed that the reason the debit had not occurred on the day I was told it would is because it was written as a check rather than a debit card( supposed to have been a debit, also how did they get my check acct #?) I accepted the fees and got everything back under the cl and in good standing...
Next issue, I had the card for a few months(4maybe) and due to a bad wallet all my cards were beginning to crack along the black strip, I had already contacted other card companies as well as my personal bank to have the cards replaced, but when I talked to applied I was told there was a fee for replacing the card! I refuse to pay for a new card after only a few months! Point blank!
Last straw! I made arrangements for this months payment to again be "debited" from my account on the due date... Which they did... But after having issues already with previous payments... I decided to check the acct to make sure everything was correct... I was astonished by the initial page that informed me that I was past due!? I further noticed that my payment was not there! I called to get info and was told that my payment was past due and that I am being charged a ol fee of $35? Also was informed that not only was I to pay this months payment but also the next months payment as well as the late fee of $35! I was furious! I explained that I had made the payment and even gave them my payment verification on the due date! I was still informed that the payment was late even though it was debited on my due date because it was note "posted" on the date!
I have had multiple issues with this card and this company, I admit I usually carry a high balance but have always made payments as well as my other cards... But the service and fees that I have received from applied has been ridiculous! I have never had any similar fees with any other companies! Yet Applied seems to apply a fee for everything... Their fault or yours! It's insulting to attempt to maintain a good standing when the company takes advantage of it!
Oh yeah, there seems to be a fee when u close the acct too! So instead I will make as many payments as I can to get this thing paid off and will never use it again!(not that I can considering it is damaged and not usable unless I decide to pay $75 for them to send me a new card!) avaid them at every cost... Recommend credit one or first premier "adventium" any day! |
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| Most attractive feature: High cl than other cards for same credit ratings |
| Least attractive feature: Poor customer service/ excessive fees |
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| Posted by: Mark |
| Date: 6/8/2011 |
Recommend?  |
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This person does not recommend this card.
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| "Beware of this card" |
| They used to be Cross Country Bank or CCB and this card should not used. They charge interest from day one and have fees on top fees including fees to call them at their 800 number. If, you have the card pray you never fall behind as they'll ring your number from 8AM to 9PM. |
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| Most attractive feature: none |
| Least attractive feature: Interest will rise. They charge more like 19.99 after about a year. |
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| Posted by: Ray |
| Date: 9/27/2010 |
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This person does not recommend this card.
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| "The Worst Card To Get!!!" |
| This card is a ripoff. The charge interest on purchases from day one, no grace period, overcharge you for everything and customer service is the worst!!! I got an Orchard Bank card and they have great customer service and do not charge interest until after billing period. Dont waste your time and money with Applied. Anyone who says its a good card must be affilliated with the company or just doesnt have a clue. I mean really. |
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| Most attractive feature: rebuilding credit joke |
| Least attractive feature: overbill for everything, no grace period between purchases, terrible customer service |
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| Posted by: Terry |
| Date: 5/20/2009 |
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This person does not recommend this card.
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| "Bad Credit" |
| Great card for anyone with a $200.00 deposit |
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| Most attractive feature: Low APR |
| Least attractive feature: none |
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| Posted by: Karen |
| Date: 8/24/2008 |
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This person does recommend this card.
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| "Cancel your card" |
| I had an Applied Bank Card for 6 weeks that I had not activated because I was not going to do so unless I had an emergency. That is why I wanted the card in the first place. My card was lost, so I reported it lost, and was sent another card. I was charged $30 for it and $11.91 for a balance transfer and a finance charge of $0.81 for a cash advance. In the two months that I had this card I paid over $250 to them for cards that were never activated, or used. This practice is fraud and a ripoff. If I did not pay their charges I could not cancel the card. No matter how you look at it as long as you have a balance with them you will be at their mercy. Please be very careful with this company...I have never had this trouble with other card companies. |
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| Most attractive feature: This system is fraud. There is no best feature |
| Least attractive feature: White collar theft. |
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| Posted by: Nattie |
| Date: 9/26/2006 |
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This person does not recommend this card.
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Showing 1 - 5 of a total of 5 Commentaries
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1-5
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