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GM MasterCard® (gold)
Issued by Household Bank |
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| Total Posts: 25 |
Average Rating:
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Category: Reward - Auto |
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Showing 1 - 10 of a total of 25 Commentaries |
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1-10 | 11-20 | 21-25 |
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| "Holds" |
| Holds are put on payments when more than one payment is made on account in a month and available credit reduced. I had a large credit in the account that was unavailable for 2 weeks even though the checks have cleared my bank electronically. |
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| Most attractive feature: 5% GM Rebate |
| Least attractive feature: Customer Service: Most I have spoken with are RUDE. |
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| Posted by: Rick |
| Date: 11/22/2006 |
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This person does not recommend this card.
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| "beware" |
| don't get this card I have had it for years never used it a lot and alway's paid it off every month. last month I thought I paid the full balance off. It came up $20.22 short So they charged me $10 interest on the average balance. and their interest was 20% this card is history will never do business with them again pass the word on. |
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| Most attractive feature: none |
| Least attractive feature: average daily balance |
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| Posted by: Dale |
| Date: 5/9/2006 |
| Recommend? |
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This person does not recommend this card.
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| "NEVER again" |
Seems my story is the same a many others on theis board. Thought I was doing fine with Household...ALWAYS paid early, always more than the minimum, and kept my balance below 50% of my limit. (Also, I've NEVER had a late payment to other creditors.) Since I had been a "good" customer,they increased my limit. Shortly after that, they also raised my interest rate from 16% to 24%! When I requested to close the account and pay off the remaining amount on my old terms, they said no chance. In my opinion, NO ethical company would do that! I transferred my balance and will be closing my account. I will NEVER do business with Household again.
An interesting point, they just raised my limit another $2000. If I am such a credit risk that I have to have a 24% interest rate, why do they continue to raise my credit limit?! It's not rocket science...STAY AWAY from Household! I hope the plaintiffs win in the current lawsuit against them. |
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| Most attractive feature: online account management |
| Least attractive feature: UNETHICAL business tactics |
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| Posted by: Rose |
| Date: 8/21/2004 |
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This person does not recommend this card.
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| "horrible credit reporting errors!!!" |
| Household Bank does not verify correct names,dates of birth, s s # when someone applies online. They confuse people of the same name, and reports errors to the big 3 credit reporting agencies. They harass you to pay a bill that does not belong to you!!! NEVER deal with HOUSEHOLD BANK...nor any of their companies, or credit cards.They will try to ruin your credit,when they report to EQUIFAX,ESPERIAN and TRANSUNION incorrect information!!!! |
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| Most attractive feature: nothing good |
| Least attractive feature: incompetent service reps |
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| Posted by: no to GM CARD |
| Date: 7/2/2004 |
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This person does not recommend this card.
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| "Action Alert - Beware!!" |
| After 16 years of prompt payments, my interest rate was doubled from 12.9 to 24% APR. Why, not for late payments or bad credit... my balance had remained within $800 of the credit limit this past year. With 2 kids in college, I had let them use the account to pay for books, household furnishings, etc. Even thouth the payments were continuosly on time - I was punished with a higher interest rate. This is highway robbery - definitely not an honest way to conduct business considering how little they pay for the money from the Fed. |
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| Most attractive feature: Reward points for auto purchase |
| Least attractive feature: Double APR for no valid reason |
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| Posted by: smk |
| Date: 6/29/2004 |
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This person does not recommend this card.
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| "Love GM Gold Card" |
| I have cashed in over $8000 on three different vehicle purchases. When they reduced the Rebate rate, I asked them to waive the annual fee and they agreed. I have not paid the fee since. I pay the balance in full each month and a couple of times when the payment was received a day or two late, they waived the late fees. I have had no problems with this card. |
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| Most attractive feature: 5% Rebate |
| Least attractive feature: Reduced Gold rate from 10% to current 5% |
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| Posted by: KA |
| Date: 6/17/2004 |
Recommend?  |
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This person does recommend this card.
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| "GM Gold Mastercard" |
| This is a very real personally story. When I was unemployed, I tried to work with this bank. They are nothing more than a borderline usurious bank with very, very poor customer service. (I agree with the person who wrote that their customer service people don't speak English!) When I was finally able to settle my financial matters, they made a disingenuous offer to my attorney which they reneged on (since I had finally found a job) and filed a judgment for thousands of unnecessary dollars more than the debt every was, seeing what they thought were "deep pockets." The last payment is due this week and after that I plan to file a complaint with the banking departments for the States they do business in. I am also advising them that if I received any more solicitations in the mail, I will file a predatory lending lawsuit against them and their lawfirm. I make it my personal business to tell everyone I can NOT to do business with this bank under any circumstance. This bank STINKS! |
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| Most attractive feature: None |
| Least attractive feature: Customer service nonexistent! |
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| Posted by: Kathy |
| Date: 3/30/2004 |
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This person does not recommend this card.
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| "GM checks are a ripoff" |
| They sent out checks to use with a zero percent deal. When you use them they make you pay all the balance before you get zero percent on the check balance. Customer service was very rude and ignorant. |
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| Most attractive feature: Nice way to earn money for a GM Car |
| Least attractive feature: THEY WILL TRICK YOU ON THER GM CHECKS |
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| Posted by: steve |
| Date: 11/18/2003 |
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This person does not recommend this card.
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| "My new GM car." |
| I plan on using the card to buy a new Gm car in the near future. The points are convertible to purchase any new Gm car that I want, and all I have to do is go to the dealer of my choice and pick out one of their new cars on the lot and drive it home. Nothing could be easier and I'm sold on the benefits it has to offer me. They even send you cards in the mail highlighting the new engines and features of the new models so you can pick one that's right up your alley. They send these updates several times a year. |
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| Most attractive feature: The points can be used to buy a GM car. |
| Least attractive feature: $39.00 annual fee |
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| Posted by: Charles |
| Date: 8/2/2003 |
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This person does recommend this card.
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| "Late Fees" |
| This company is atrocious for its late fees! I have had so many problems with payments getting posted late. It takes two weeks to get them posted. For three months I sent my payments in two weeks prior to due date by certified mail and they got posted within three days after mailing. The first month I didn't send it in certified mail it took 10 days from mailing to get posted and guess what, a late fee. They posted it one day after the due date. And waiving late fees? NEVER!!! We are done with this company. |
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| Most attractive feature: The 5% earnings on purchaes |
| Least attractive feature: The late fees! |
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| Posted by: Jon |
| Date: 6/17/2003 |
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This person does not recommend this card.
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Showing 1 - 10 of a total of 25 Commentaries
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1-10 | 11-20 | 21-25
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