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This card has been discontinued to new cardholders. The material posted here is simply reference material. |
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Fleet Titanium Visa® Card
Issued by Fleet 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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| "Fleet Tries to Manufacture bad credit ratings for people who pay them off ahead of time" |
I took advantage of an offer from fleet to tranfer my ballance to a new account with them for a low introductory rate which guaranteed that after the intro rate my rate would be no higher than 9 per cent apr. Suddendly my rate was was over 20 per cent (my ballance was about 5,000 at the time in 2004). I called to complain and their agent said that I had a bad credit rating which justified the new rate? I looked at my credit report and read it to thier agent "it says the only negative thing is a $98. bill to a local doctor that is marked "in dispute" and that for 30 years I have paid all my bills on time be they bank cards, store cards, car payments or home payments. It also show my home is paid in full and that I am worth more than I owe. I owe in total less than people owe on their home or student loans." The fleet agent said "yes, I misread this report. We will go down to 10.9 percent" (not the less than 9 percent offered)
That was in June 2004 so I began paying larger payments to fleet and this month (March 2005) sent them over 700 (my ballance plus next months finance charge they had begun edging the rate up the last few months 10 in Jan, 11 in Feb) so my account was paid in full.
I just recieved a statement saying they recieved my payment but it was one day AFTER the date due so they charged me on a zero ballance $29 late charges! I I had really been late it would show no credit for my payment because they would have not recieved it in time.
Bottom Line in less than 10 months I payed off a dept of almost 5,000 to fleet out of my own resources (no ballance transfers) and now Fleet wants to claim when my ballance is zero I pay my bills late! My credit reports shows I have paid all my bills on time for over 30 years with the soul exception of a $98 dollar disputed medical bill to a local doctor.
MY other credit card (Choice Visa) when I pay more than due puts "none due" on the next statement. Fleet NEVER acknowledges PAID AHEAD even when it THOUSANDS and YEARS ahead.
I plan to copy all my statements and send them to any news agencys and representatives I can find who may find this highly suspicous! |
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| Most attractive feature: none |
| Least attractive feature: Dishonesty |
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| Posted by: Andrea |
| Date: 3/27/2005 |
Recommend?  |
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This person does not recommend this card.
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| "fraud" |
NEVER DO BUSINESS WITH FLEET!!!!
I never activated this card! but twice my account was hacked and charges over $500 were put on the card. The first time they cleared the problem up with out a problem. after second time I closed the account 2 months after I closed it they sent me a letter requesting an affidavid that I did not make the charges that were fraudulent. I had already sent them one months before. so I sent one certified Mail. (by the way they reopened the account and are now charging me interest on the the fraud charges and late fees) I called repeatedly to get the issue resolved I was told that once they get the affidavid they would remove the charges now I have recieved a letter closing my account again for non payment. And a black mark has been placed on my credit rating!! |
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| Most attractive feature: NONE |
| Least attractive feature: VERY POOP CUSTOMER SERVICE NO ONE WILL COME TO PHONE!!!!! |
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| Posted by: KURT |
| Date: 8/4/2004 |
| Recommend? |
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This person does not recommend this card.
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| "Canceled my Account" |
| I have been a fleet credit & checking/savings customer for over 12 years. I have had my titanium account 4 years. Today I have received a notice from Fleet that soon my account would be transfered to Bank of America due to a recent merger, that they would like to appologize. I currently have a Bank of America card with a 6.9 fixed APR which I have carried since 1997, and a 7.9% fixed on my fleet account since about 3 years ago. Due to the lower rate on my BofA account I decided to close the fleet card. Its a nice card, great customer service, and APR but I never carry balances nor have a reason for two accounts at the same bank. No offense Fleet. |
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| Most attractive feature: APR & Personal Customer Service |
| Least attractive feature: Benefit Package |
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| Posted by: D |
| Date: 4/24/2004 |
Recommend?  |
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This person does recommend this card.
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| "comments on fleet credit card ( Titanium)" |
| I the same as the gentleman before me, and his comment. The have done the same to me with the interest I was given 0.0% at first then it went to 9.9%. Well the interest on mine jumped to 25% right before my eyes as well. This is the worst card I could have ever gotten. Then the fact is another card offered me a lower interest rate, and Fleet didnt even want to try and beat the deal the other card was offering. This was the worst decision I have ever made regurding any credit. The gentleman before me also said if your payment was a day late(just a day) yes they do hike it up to 25%. I also have good credit, not perfect but good. (720) and thats pretty good for a young person unmarried and in school. I do not recommend this card or company to anyone. |
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| Most attractive feature: none |
| Least attractive feature: interest rates |
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| Posted by: Lynn |
| Date: 4/15/2004 |
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This person does not recommend this card.
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| "Fixed rate is not really fixed." |
I was offered 0% rate on purchases for six months and 8.99% thereafter. I also transferred a large balance. After one year with them, they almost doubled my rate to 16.99% despite the fact I have never missed a payment to them. They also added a bunch of ludicrous conditions like if I was even one day late on a payment my rate would go to 25% in addition to paying a $35 late charge. I reverified my FICO score and it is a very good 745. I have excellent credit. In addition I earn over $100,000 year and have never missed one single payment to anyone in the 16 year history on my credit report. If they try to gouge me like that they will try it with anyone. I of course immediately transferred all of my balance from the Fleet card and cut it up.
Beware. If I have a 16 year spotless credit report, 745 FICO score and earn over $100,000 a year and they still double my rate, I assume they would do it to anyone. Not just people with marginal credit. |
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| Most attractive feature: Standard Visa Platinum Benifits. |
| Least attractive feature: Dishonest business practices. |
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| Posted by: Preston |
| Date: 4/7/2004 |
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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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