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Commentaries |
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Credit Card Commentaries |
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Sam's Club Card
Issued by Monogram Credit Card Bank of Georgia |
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| Total Posts: 59 |
Average Rating:
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Category: Retail |
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Showing 1 - 10 of a total of 59 Commentaries |
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1-10 | 11-20 | 21-30 | 31-40 | 41-50 | 51-59 |
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| "DO NOT ACQUIRE THIS CARD!!" |
| My husband and I received the Sam's Club credit card in the mail that we never applied for with a $400 limit. We were skeptical from the beginning and so I called and after speaking with a representative, we thought we'd give it a try. We charged one item just to see if the card worked and it did. It was a minimal charge of like $30. At the time we had our mail going to a post office box and low and behold we never received our statement. When asked in the store about the statement we were told that it would come in the mail. After 2 months of calling around trying to get a statement or even a balance nothing ever came of it. On the 3rd month we received a call from their collection department stating that the account is past due. My husband voiced his concerns and paid the account right then. The next month we took time and drove 40 minutes to our closest Sam's Club to buy some items and tried to use the card and it was declined. We went to the front desk to find out why, they gave us a telephone number to call and upon calling this number we were told that the account had been closed. Needless to say we paid for our groceries with another form of payment, but my husband was irate and now we cannot get this off of our credit report. DO NOT USE THIS COMPANY FOR CREDIT!! |
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| Most attractive feature: never got to enjoy any benefits. |
| Least attractive feature: they close your account without any notice or recourse. |
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| Posted by: Linda |
| Date: 6/29/2008 |
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This person does not recommend this card.
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| "BEWARE OF THE GAMES AND INTREST" |
| Go approved for Sams Club and the 24% intrest form the start was a tooth kicker, To say that they are slow on posting payments is a understatement. 14 days if mailed 7 days if done online. I even caught them delaying the payment several times. The copy of the check stated on the back the fourth of the month but they posted it the twenty-first. Watch this if you get this card I closed it out for I was tired of wasting my time of the phone to rude non helpful persons. BEWARE |
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| Most attractive feature: none high intrest and very bad customer service, slow to post payments, rude service |
| Least attractive feature: intrest high from start, slow payment post 14 days plus, fast to charge late fee |
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| Posted by: Chris |
| Date: 2/5/2008 |
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This person does not recommend this card.
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| "Sams Club credit card" |
| I paid my bill while in the store. It was never credited to my account. I have to now go there in person to try and take care of this. By all that I have seen and read on the internet about Sams Club credit card, I am not hopeful... |
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| Most attractive feature: convenience |
| Least attractive feature: not trustworthy |
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| Posted by: RD |
| Date: 7/15/2006 |
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This person does not recommend this card.
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| "Sams Club is STILL ruining my credit!!! Been payed for 5 months, still denying payment received" |
I opened a Sams Club card in 2000. Used it only a couple of times, and carried a balance of $235. Due to some events in September 2001, my company had to close. I began to fall behind on my payments, and had to consider Bankruptcy. I hired an attorney, and all of the calls from my creditors stopped.
Shortly thereafter, I got another job, and began to pay off my debts rather than follow thru with bankruptcy. Sams Club was one of my payments made. I have a cancelled check showing it was cashed, yet they still reported "Bankruptcy" on my credit report. I have called and called, and been on hold for hours waiting to speak to someone who could help. If I would be on hold, and 5:00PM came up, their phone system would just dump my call. Finally, after a hold time of 1 hour and 45 minutes, I got ahold of an agent who informed me that they showed NO PAYMENT received. I told her I could fax or email a copy of my cancelled check, but she stated they will only accept correspondence by snail mail. I guess they don't believe in that technology stuff!
I know they cashed my check, but I guess they don't have any kind of accounting practice to correctly place the payment with the account. HMMM...pretty convenient for them! Free cash...
I would be happy to sigh on to a lawsuit that forces them to comply with State Banking Regulations, and to stop the abuse of those who use their credit card system.
PS...Do the research, Sams Club and Wal-Mart destroy local economies and outsource their products to be made in sweat shops in China and Indonesia without any worker protection! Kind of like what they are trying to do here. Wake up! Mine is not the only story like this! |
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| Most attractive feature: ability to go into debt to purchase their cheap imported junk |
| Least attractive feature: no way to deal with them by phone or internet...and no verification of receipt by mail |
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| Posted by: CM |
| Date: 5/13/2006 |
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This person does not recommend this card.
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| "SAM'S CLUB AND MONOGRAPHY SUCK THE BIG ONE!!!!" |
| The most horrible experience I have ever had trying to clean these ass-wipes off of my credit file. They just closed my account one day, charged me ridiculous fees and when I paid the suckers off...they WILL NOT take it off my credit file. I hate these people and will happily join ANY law suit to sue these suckers pants off! |
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| Most attractive feature: NOT A DOG-GONE THING |
| Least attractive feature: The card just sucks the big one and "mucks" up your credit rating |
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| Posted by: Mary |
| Date: 9/27/2005 |
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This person does not recommend this card.
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| "DISCOVER when you shop at Sam's Club" |
Monogram Credit Card Bank of Georgia is currently facing litigation from consumer protection groups for just plain BAD BUSINESS PRACTICES, i.e. charging more than different states allow legally and claiming exemption as a functioning "BANK". The FDIC is backing this to save face from outdated legislation passed and later revoked by Congress in the 1980's. This type of "bank" was a bad idea then and seems to still be a bad idea today.
In my personal experience with Sam's Club Monogram Credit Card Bank of Georgia I've found their interest rate to be gratuitously higher than comparable store cards for my excellent credit rating with no added benefits such as length grace periods or incentives. In fact the only real benefit I've discovered so far is that Sam's Club accepts this card. The customer service is lacking from my experience as well. At 24.9% interest one would think this "bank" could staff a 24/7 call center capable of answering such hard questions as "How much do I owe?" or "When is my payment due?" One would at least think a "bank" with no branches, ATMs, or service centers could take a payment easily over the phone or Internet. Well, not this "bank".
In summary if you're going to shop at Sam's and use plastic, then just DISCOVER the possibilities.
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| Most attractive feature: 1 of 2 cards accepted at Sam's Club |
| Least attractive feature: High Interest Rate and Horific Customer Service |
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| Posted by: Theodore |
| Date: 1/21/2005 |
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This person does not recommend this card.
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| "Sams Club- Monogram credit card grantor" |
| Opened the account in March of 2004, late once over 30 days, account current- account closed in 8 months, no notice- just closed it out. |
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| Most attractive feature: Fairly quick to get this card |
| Least attractive feature: Account closed even though in good standing. |
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| Posted by: Yello4U |
| Date: 12/6/2004 |
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This person does not recommend this card.
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| "Sam's Club Credit Card" |
During the past year and a half, I have had several problems getting my payments applied to my account correctly, or posted to my account at all. This has resulted in my credit being affected, and being harassed by collection people from the card calling, and asking why I haven't paid. Then, they realize that I did. After hours on the phone, i am called again to start all over with the next person who says I did not pay. The electronic online payments are lost, the card doesn't credit the right account, or I am unable to reach a customer service person on the phone. For example, today I had to make 6 attempts before
I actually was able to talk to anyone. After 10 minutes on the phone we were disconnected. They are not able to call me back. So, the process starts again. I've been trying to pay the bill for a Week.But I will persist. |
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| Most attractive feature: None by the card --only the discounts you receive on the purchased items. |
| Least attractive feature: Trying to pay the bill or get it posted when paying by check or online-they're lost. |
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| Posted by: Carol Ann |
| Date: 11/1/2004 |
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This person does not recommend this card.
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| "Pleased so far." |
I have had a sams membership since 1998. In March of this year I was making a purchase and the cashier stated I was pre-approved for $600.00 worth of credit. I was skeptical at first because I have damaged credit, I asked a few questions and was satisfied and had the cashier charge my purchase that day to the card.
I then proceeded over to the membership desk to get my new card that would also access my credit account.
I have had no problems so far making payments. My payment is do by the 22nd of the month and I usually send in my payment two weeks prior to that, and all payments have posted in a timely manner, even when making multiple payments during the month.
I never qualified for a Discover card, which is the only other credit card that is accepted at my Sams Club here in Michigan, and am thrilled to have this card account, it is so convenient especially at the end of the month when cash my be tight to be able to charge and pay later.
And the fact that you can you this card at Walmart is just an added bonus, although I wish it could be used at walmart.com.
The 90 day same as cash option seems a good feature although I have yet to use it, because of the low credit limit I have currently.
With any credit account you must act responsibly, send payments in on time, and ensure enough time for the creditor to receive and post the payment.
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| Most attractive feature: No Annual Fee - 1 of only 2 credit cards accepted at Sams |
| Least attractive feature: None so Far |
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| Posted by: JazzyJazz |
| Date: 9/28/2004 |
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This person does recommend this card.
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| "payments" |
My husband& I have had athis card for many, many years. We had a balance of $400 on this card, & had had HIGHER balances before & paid complete balance with no late payments. However, earlier this year, my husband & I went out of the country (Germany & Holland) for a couple of months. We had our payments set up through electric funds. However, when we returned from our trip, we found that these payments had not been received by Sam's. So I went to Walmart & made several payments, which all but 1 were posted to the debt. That 1 payment of $25 cash cannot be found. We explained all of this to Sam's credit dept. However, they canceled this card. Also, payments made to Walmart were not posted on the date I paid them.
We are very disappointed in the service & manner in which this matter was handled. |
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| Most attractive feature: charge at store |
| Least attractive feature: credit manager is not very fair to loyal customers |
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| Posted by: Michelle |
| Date: 9/22/2004 |
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This person does not recommend this card.
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Showing 1 - 10 of a total of 59 Commentaries
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1-10 | 11-20 | 21-30 | 31-40 | 41-50 | 51-59
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