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Radio Shack AnswersPlus Card
Issued by Hurley State Bank |
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| Total Posts: 18 |
Average Rating:
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Category: Reward - Retail |
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Showing 1 - 10 of a total of 18 Commentaries |
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1-10 | 11-18 |
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| "Radioshack employee get YOUR facts straight" |
for that one guy up top.
1) You don't get 10 percent off many things the first purchase including IPODS and TVS anything that has basically no profit margin does not fall under the 10 percent.
2) Radioshack employees suck at giving you the other benefits (i should know i used to watch my fellow employees)
the discount for batteries does not automatically apply, you have to ask for it unless the employee remembers which they don't.
I often see confused employees giving you regular 30 day revolving even when you spend over 100 dollars because they don't know what they're doing so you end up not getting these great no payments for 6 month deals you're talking about. Radioshack is a bad company and their cards are a rip off. |
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| Most attractive feature: Discount on batteries |
| Least attractive feature: You don't get discount unless you ask. |
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| Posted by: Nick |
| Date: 5/16/2009 |
Recommend?  |
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This person does not recommend this card.
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| "Get all facts straight" |
| I have given this card out to many people. Most people use it wisely and are very happy with the card. During your first purchase with the card you get everything except televisions, computers, phones, digital cameras and ipods at 10% off. If you purchase something over $50 you get 90 days no interest. If you purchase something that is over $200 you get a year of no interest on that. You also get 15% off all battery sales which comes in handy because batteries are getting expensive. The interest on this card is quite a bit though. If you have the 1 year no interest don't miss a payment because you will be stuck with all of the previous interest. Also, pay off the item within that one year. Otherwise you get all the back interest too. Overall if you are smart about the card, it is a very good thing to have. if you have troubles making payments though, don't get this card. Oh yea, you can always cheat the system and get the card to get 10% off your first purchase then pay off the card all in the same visit. |
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| Most attractive feature: Great for large purchases. Enables you to have 1 year interest free. |
| Least attractive feature: Interest on the card is outrageous |
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| Posted by: Employee |
| Date: 4/25/2008 |
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This person does recommend this card.
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| "Good idea when purchasing high priced items." |
| From reading alot of the posts most have been having problems that could be solved just by talking to a radioshack sales associate. Most associates will bend over backwords just to make things right with you and the bank. most mangers will also fight for you. i actually got the card and purchased several things on it and have not had a problem. i payed off my expenses within the time limit and am happy with the card and no hassell. Some people dont realize that radioshack will take care of alot of things for you. including making your payment right there in a store. processes have changed as well when you want a higher or lower balance from the bank. its a process that might take up to 2 minutes at a radioshack near you. i say if your having problems go find a radioshack near you and talk to one of the associates. |
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| Most attractive feature: No Interest or payments 30/90/and 360 days |
| Least attractive feature: high apr |
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| Posted by: Caspius |
| Date: 11/1/2004 |
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This person does recommend this card.
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| "Correction " |
Please note that Radio Shack has long since terminated its arrangement with Hurley State Bank; the AnswersPlus credit card is now issued by Citibank USA.
I have used this card extensively over the last few months and am happy to report no problems at all.
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| Most attractive feature: Payments Deferred By 90 Days |
| Least attractive feature: None |
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| Posted by: Viet |
| Date: 10/17/2004 |
| Recommend? |
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This person does recommend this card.
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| "Radio Shack vs Hurley State Bank" |
| As good as Radio Shack is, it's a shame their credit card system is managed by Hurley State Bank. This customer service department uses a computerized system that even they can't access, but makes all their decisions for them regarding credit approvals, increased credit lines, or disapprovals regardless of the customers past history with their bank. Whatever the computer says is their final word. My final word is, "If I live to be a thousand, I'll never spend another penney in a Radio Shack Store as long as they're connected with Hurley State Bank". |
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| Most attractive feature: None |
| Least attractive feature: A nightmare to deal with. All information is computerized with no hands on by personnel. |
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| Posted by: Miffed |
| Date: 9/30/2004 |
| Recommend? |
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This person does not recommend this card.
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| "They are reporting 14 year old chargeoff as new chargeoff" |
| There guys are a big fraud. After a huge dispute over a piece of junk electroncis I tried to return, they charged off $300 or so and just recently 14 years later reported this chargeof as a new chargeoff on my credit report, presumably to be vindictive and make sure I never forgot how much I regretted even hearing the name Radio Shack |
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| Most attractive feature: None |
| Least attractive feature: Fraudelent credit reporting after 14 years |
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| Posted by: Valerie |
| Date: 8/14/2004 |
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This person does not recommend this card.
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| "BIGGEST MISTAKE EVER" |
| We bought a computer over at Radio Shack thinking we were getting a good deal. Never once were we told we'd be forever trying to pay it off. The first month we had the computer we had to take it twice for the same problem. When we took it the third time suddenly it was just the keyboard that was not working. That was in 2000. We are still paying off the computer and doing calculations we'll be a couple of more years paying it off. The computer has cost us over twice what it originally cost. Not to mention, even then friends told us Radio Shack was "jipping" us on the computer. Friends know best, Salesmen know sales. Run away from this card as fast as you can. |
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| Most attractive feature: None really |
| Least attractive feature: a lifetime of payments |
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| Posted by: BrightEyes |
| Date: 11/17/2003 |
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This person does not recommend this card.
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| "Radio Shack " |
| I have paid for my VCR 4 times the amount. Radio Shack keeps sending me bills. I had automatic withdrawals from my checking account and they are still hounding me. Overall i have paid $1800 for a VCR. I am also paying for back statements from my back to show this payoff. I need help. Please advise. THis is ROBBERY. DUE TO THEIR POOR ACCOUNTING, I AM RECEIVING A BAD CREDIT REPORT. AGAIN THEY WANT $1100 TO PAY OF MY ACCOUNT FOR THE 3RD TIME!! |
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| Most attractive feature: None |
| Least attractive feature: high interest rates, lack of concern for customers paying same bill numerous times. |
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| Posted by: Vera |
| Date: 11/14/2003 |
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This person does not recommend this card.
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| "Why did I ever allow this card in my household?" |
In 1999 I recieved an offer in the mail saying I am Pre-Approved for the Radio Shack Credit Card. The only thing I purchased at Radio Shack was Cellular Phones. My daughter asked if I could get it for her and she would pay it. I did get it and she maxed it out on hideous stuff. I finally recieve a bill from Hurley Bank stating my account will be sold to Aspire Revocable Card Services and they would issue me a MasterCard, with a lower interest rate and higher limit. Ok I said I guess. Two weeks later I recieved a letter from Aspire saying how glad they were to issue me their Satndard MasterCard with a limit of $5,000.00 at a 9.9 fixed interest rate and were also willing to work with me in any way to pay off my carrying Radio Shack balance of $987.32. It sounded great. Within two days later I recieved my new MasterCard, only to find out this was not a real MasterCard, a phony way of Hurley selling my account to this lousy collection agency. I was so upset I alomost broke my $3,000.00 Versace Vase. i immediately paid my balance in full Via Western Union. I sent them a letter requesting they quickly cancel; this phony card and send me letter stating "I" The Consumer Closed this Account. To my surprise they did! I called Trans Union Credit Reporting Agency requesting a Updated copy of My Credit profile. When I got it Hurley State Bank reported
"Acoount Sold due to Delinquency" LIARS!!!!!
I immediately requested letteres from Aspire to prove that Hurley sold my account for no apparent reason. I also got my last bill from Hurley which stated everything. I faxed them to Trans Union and Experian as well as the other two reporting agencies. They quickly fixed the error, they also told hurley to no longer report onm my credit profile. All this cause: the stupid Radioshack card. |
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| Most attractive feature: Credit Yeah!!!!!ya right! |
| Least attractive feature: It exists |
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| Posted by: Luisa |
| Date: 10/10/2003 |
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This person does not recommend this card.
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| "THEY RIPPED ME OFF" |
| I HAD AUTOMATIC PAYMENT TO THIS ACCOUNT THEY CHARGED ME OVER 100 DOLLARS A MONTH FOR INSURANCE PROTECTION THAT I DINT NO ABOUT. I WAS OVERSEAS AT THE TIME ALL MY BILLS WHERE BEING SHIPPED HOME I HAD OVER 1500 DOLLARS IN LATE PAYMENT CHARGES I CALLED THE BANK THEY SAID OH WELL. |
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| Most attractive feature: its a good rip off |
| Least attractive feature: the apr |
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| Posted by: DENNIS |
| Date: 5/15/2003 |
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This person does not recommend this card.
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Showing 1 - 10 of a total of 18 Commentaries
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1-10 | 11-18
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