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Applied Bank Standard Credit Card
Issued by Applied Bank |
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| Total Posts: 37 |
Average Rating:
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Category: Regular |
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Showing 1 - 10 of a total of 37 Commentaries |
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1-10 | 11-20 | 21-30 | 31-37 |
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| "WORST COMPANY EVER!" |
| Everything about this company that can possibly stink has literally stunk. The customer reps are nasty and do not know how to do their jobs. In addition to that, their website is the most terrible and vile thing that I have EVER used and the I am not the only person who says so. They call your job every minute if you are ONE day late with the payments and do things like take two payments out of your account. |
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| Most attractive feature: Nothing |
| Least attractive feature: Evertything....believe i an not lying |
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| Posted by: ione |
| Date: 4/12/2012 |
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This person does not recommend this card.
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| "Eh, not fantastic, not awful..." |
| I don't think Applied Bank was that bad. I applied for a card to raise my credit about a year ago. I knew they would charge fees so I'm not bothered. However the reporting to the agencies is sub par, and they don't show up as a "major" credit card on my report (so it doesn't really bump up my score as I was thinking). I found a better secured card through my bank and called to cancel this card. It did take awhile to get to a live person on customer service, but once I did she answered all of my questions and hopefully I'll get my deposit back in the next 30 days! I appreciate the offer at the time, but it didn't really do enough for me to tie up money like that. |
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| Most attractive feature: Offers a card for those with bad credit. |
| Least attractive feature: Didn't show as a "major" credit card on the report. |
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| Posted by: Bea |
| Date: 4/6/2011 |
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This person does not recommend this card.
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| "DEPOSIT LOST" |
| I opened a cross country(applied bank) account in 2004. oct 2010,WITH A DEPOSIT FOR 600 DOLLARS. I was 30 till 45 DAYS late IN OCT 2010 WHEN MY CARD WAS CLOSED. I HAVE BEEN TRYING TO GET MY DEPOSIT FOR 1 YEAR AND APPLIED BANK HAS BEEN CHARGING ME LATE FEES AND MIN. PAYMENTS WHILE HOLDING MY MONEY. WHAT EVER YOU DO DONT GET THIS CARD OR YOU WILL BE SORRY. |
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| Posted by: ROCKY |
| Date: 1/10/2011 |
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This person does not recommend this card.
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| "no customer service access" |
| They put my card on temporary hold suspecting fraud (which was correct). Now I cannot contact them to reactivate my card to use even though I have been making substantial payments for months and reducing my balance due. |
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| Most attractive feature: You can get an unsecured,standard credit card with poor or no credit. |
| Least attractive feature: No access to customer service either by phone or through their website. |
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| Posted by: ehp |
| Date: 12/15/2010 |
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This person does not recommend this card.
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| "Rip-off!!!!!" |
| Applied Bank is a joke!!! I applied for one of their secure cards and gave them my checking account and routing number for payment, but decided to cancel my application thanks to the horrendous reviews I was reading about them online. Anyways, the next day they opened (Monday), I spoke to one of their ghetto call reps. (Alexcia) who told me it would be cancelled, yet they (Applied Bank) still took money out of my bank account two days later. I filed a complaint with the Federal Trade Comission and would urge everyone to do the same. I'm curretly working with my bank to have the funds restored. Oh, and each time I called Applied Bank to complain about the error, I got a looped message that kept saying their lines were busy and that I would be on hold for 5 minutes. Roughly 25 minutes later, I got through. Thanks to the french woman with an accent. I'm sure she had no idea what I was talking about!! |
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| Most attractive feature: None. I've never had a more horrible experience with ANY bank. |
| Least attractive feature: Negligence |
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| Posted by: Brandon |
| Date: 10/13/2010 |
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This person does not recommend this card.
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| "JUST AVERAGE" |
| I'm rating this average across the board. I have horrible credit and believe I'm on the right path to rebuilding my credit. I have a $200 secured card for starters and so far, despite the fees, I have no real complaints. I've paid my bill on time, and even early on occaision (especially because I only use it for very small purchases, just to keep it revolving). I've had the card for over a year now, and it seems that this really isn't affecting my credit positively. I almost feel like it is a waste of time. I've read reviews and I am scared to close my account. I'll wait another few months and if I see no benefits, then I'll see about getting my deposit back. Bottom line is - It's as if I gave them my deposit, and I'm just paying for things with my own money without the benefits of really improving my credit. Not even minimally. |
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| Most attractive feature: Get back on track to improve credit. Easy to sign up |
| Least attractive feature: No real positive affect on credit score |
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| Posted by: Jenny |
| Date: 9/16/2010 |
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This person does recommend this card.
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| "DO NOT DO BUSINESS WITH THIS COMPANY" |
| In all honesty, I had no issues during the use of my card while it was open. I ran up the card, paid my bill, no issues....until I closed my account. They called my workplace and I told them I would like to close the account and pay off the amount in full. The representative on the phone did not know how much I had to pay since they would keep my security deposit and I would pay of the rest of the balance with my checking account. After speaking with her manager, they informed me that I my account would be paid off with this last payment and that I would receive a confirmation in the mail..which they did. I received a letter stating my account was paid off and that my actions have been reported to creditors and is in good standing. A month later, I get a bill for 124.02 saying my account is past due and they were going to assess a late fee if I do not pay this balance that came out of thin air!!! |
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| Most attractive feature: Payments clear quickly and credit is available soon |
| Least attractive feature: Fee for every payment |
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| Posted by: Josh |
| Date: 8/30/2010 |
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This person does not recommend this card.
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| "raised my score fast" |
This card raised my credit score from 554 to 665 in less than 6 months, which enabled me to get an unsecured Capital One card. Less than one year after opening an Applied Bank account, my score is now 727.
The people who complain about the fees probably don't have any experience with other credit card companies. Every credit card company charges for overdrafts, credit line increases, etc. This is not unique to Applied Bank. I haven't seen any Applied Bank fees that other companies don't charge as well. |
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| Most attractive feature: Raised my score fast. |
| Least attractive feature: The customer service reps don't know what they're doing. |
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| Posted by: Chris |
| Date: 8/6/2010 |
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This person does recommend this card.
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| "Avoid at all cost." |
Had a closed account that I was paying off. They said they sent letter stating new monthly fee of $16 per month and 29% interest-never received same.
Why would I agree to increases on a closed account?
Asked them to lower fees and they refused. Filed complaints with Attorney General of Delaware-no consideration! Will pay off and say Goodbye forever! |
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| Most attractive feature: None |
| Least attractive feature: Predatory monthly fees and 29 percent interest! |
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| Posted by: DMB |
| Date: 6/16/2010 |
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This person does not recommend this card.
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| "Scam artist crooks" |
I changed my bank information with them on April 30th. At that time I payed them $300 over the phone from my new account. Afterwards this bunch of crooks still processed a payment to my old account number. They sent it through 4 times more after I told them that was not the account to use. They charged me $30 x 4 for each time they sent it through AND charged me interest AND charged me other fees. Avoid these crooks at all costs no matter how desperate you are for a credit card!!!!!!!!!!!!!
They will not give you the name of someone to talk to and want me to do everything by writing to a dispute PO Box. Also they denied my dispute saying there was nothing they could do because that payment was already in their system. What a bunch of liars. |
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| Most attractive feature: None |
| Least attractive feature: Fees, fees and more fees whether justified or unjustified |
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| Posted by: Karen |
| Date: 6/8/2010 |
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This person does not recommend this card.
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Showing 1 - 10 of a total of 37 Commentaries
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1-10 | 11-20 | 21-30 | 31-37
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