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Security Bank Visa® Card
Issued by Security Bank |
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| Total Posts: 7 |
Average Rating:
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Category: Poor Credit |
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Showing 1 - 7 of a total of 7 Commentaries |
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1-7 |
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| "BAD EXPERIENCE" |
| CUSTOMER SERVICE IS NEVER AVAILABLE AND THE FEES ARE TOO HIGH AND THEY ARE TOO QUICK TO CHARGE YOU MORE. I CLOSED MY ACCOUNT. |
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| Most attractive feature: NOT SECURED, BUT MIGHT AS WELL BE |
| Least attractive feature: CUSTOMER SERVICE |
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| Posted by: AWARECONSUMER |
| Date: 11/20/2002 |
Recommend?  |
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This person does not recommend this card.
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| "THE WORSSSTTTT CARD EVER!!!!" |
| I received this card with a $150.00 balance on it. With only $75.00 of credit to use. After I paid $45.00 to recieve it with in 4 business days. I received it about two months later. Never used it. I know owe them $485. Why, dont know!!! |
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| Most attractive feature: none |
| Least attractive feature: the card and service |
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| Posted by: LETICIA |
| Date: 5/8/2002 |
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This person does not recommend this card.
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| "Counteroffer" |
| After recieving pre-approve application,I sent my $35.00 in for the visa card.I only recieve a counteroffer letter from them,This is after they cash my check. I still haven&#'t recieved a refund on my money. I think the bank official should be prosecuted for running this scam. |
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| Most attractive feature: none |
| Least attractive feature: everything |
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| Posted by: Andre |
| Date: 4/11/2002 |
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This person does not recommend this card.
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| "Customer Service" |
| I am never able to get a customer service rep. on the weekend when I do my shopping and there is a problem. Once I had $200 available credit and got declined when I tried to buy a $40 item. No customer service was available to assist since it was Saturday and I had to leave the store an embarrassment. Poor show Security. |
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| Most attractive feature: None |
| Least attractive feature: Customer Service Availability |
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| Posted by: Brian |
| Date: 3/8/2002 |
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This person does not recommend this card.
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| "Probably should be called "Fly by Night" visa" |
| When you get the offer for this card, you'll probably have a good idea what you're in for by looking at the quality of the offer "package". Honestly, the offer, as well as the statements look like someone typed them up on a manual typewriter while riding in the back of a moving truck. The fees are ridiculous: after paying them and siging your life away, you'll have about $30 of your $250 credit limit left. Plus, your stuck with monthly cardholder fees ($6.00). The invoices, as I mentioned, are a joke, making a company like Cross Country Bank look like pros (which is REALLY sad). You can't even make payments online! |
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| Most attractive feature: Card is made of plastic |
| Least attractive feature: Everything but the plastic card |
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| Posted by: mdartic |
| Date: 3/6/2002 |
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This person does not recommend this card.
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| "Customer Service" |
| I was a fool to get this card. I did not realize it wasn't affiliated with Security Bank. I made a $300. payment by check on the phone on Friday before twelve. I called Saturday morning to make sure it was posted and was told it was but I haven't been able to use it or talk with anyone. All I get is an automated menu telling me my available credit and payment posted, then it says what their business hours are. I would not recomend this card to anyone. I will be cancelling this card. |
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| Most attractive feature: none |
| Least attractive feature: No customer service at night or after twelve on Saturday |
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| Posted by: Jill |
| Date: 3/3/2002 |
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This person does not recommend this card.
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| "Security Bank, Sioux Falls, South Dakota" |
O.k., another "you're pre-approved!" credit application. This one from Security Bank in Sioux Falls, South Dakota. There are hundreds of "Security Banks" in the U.S., none of which are affiliated with this one.
Here's the pitch:
Credit limit 'up to' $2,500.00.
What it means:
If you get this kind of application, chances are you'll get the $250.00 line of credit instead. There's an indication of prior credit problems. People capable of getting a pre-approved credit card with a $2,500 limit probably have good enough credit to have legitimate cards in their wallets. By the way, $2,500 is the maximum they will give you, no matter how long you're a customer.
The "fees":
It'll cost you $29 to process your application. They believe it only proper since they extended a credit offer to you.
If you choose to keep the card, you have to pay them an acceptance fee of $119.00. They state this can be refunded after 61 months, and providing you meet the requirements of their 'cardholder agreement'.
The annual fee is $50.00 for the "priviledge" of holding their card.
The monthly fee is $6.00 which apparently has nothing to do with the annual fee.
The interest rate is 21%
Cash advances are 3% of the amount, calculated seperately from the monthly interest on purchases.
The first credit increase review will cost you $25.00. You have to make on-time payments for 12 months and pay more than the minimum amount due to qualify.
Other fees:
Late fee: $20
Over-limit fee: $20
Copying fee (?): $3 per copy
Express delivery of cards: $25
Express processing: $6
It's not worth it. There's many other companies out there who give better offers to people with past negative credit history. If you get this card, and request express processing and delivery, it'll cost you $215.00 just to put the card into your hand. On a limit of $250.00, you are left with less than $35.00 to spend. Not even enough to buy a pair of shoes.
Do your research, and get your cards from companies that will help you rebuild your credit, not suck your money out of your pocket. You will probably pay a higher interest rate, but it won't cost you hundreds of dollars to print you name on a piece of plastic. This company is nothing short of pirates. Companies like these feed off the desperate. Don't give them an arm to gnaw on! |
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| Most attractive feature: Nothing good could come from this. |
| Least attractive feature: Read on. |
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| Posted by: Don |
| Date: 10/12/2001 |
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This person does not recommend this card.
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Showing 1 - 7 of a total of 7 Commentaries
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1-7
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