TORRANCE, CALIFORNIA -- I've read the complaints and reviews about Cross Country Bank credit card and I thought I had stirred far from obtaining one. Unfortunately, I made a mistake of applying for a credit card from a company named Applied Card Bank which I had learned from a friend that Cross Country Bank changed its name to Applied Card Bank, soon enough all the added fees started filing up and as a result I called this company and closed the account. The rep I spoke with wouldn't take no for an answer and was threathening me that if in the near future I decide to re-open the account that I would get an exta $50.00 charge to my account just for doing so. I assured the rep that I would not make another mistake of re-opening such credit card from an awful crooked credit card company like Cross Country Bank also known as Applied Card bank and fyi this credit card company charges an extra 29.99% on cash advances even though no cash advances were ever made. It's another way of adding extra fees to your account.
WILMINGTON, DELAWARE -- I made the mistake of getting this secured credit card about 6 months ago. I have lost A LOT of money due to fees and services. Get ready to pay:
$30 lost card fee
$16 online payment fee
$12 phone payment fee
$10 monthly service fee
There are more fees as well, I cannot remember them all!
Add the application fee and acceptance fees!
If you mail them a check for over $100.00, it WILL NOT be credited to your account until 2-3 weeks have past. This was the most unbelievable, deceitful, and costly bank experience I have ever had.
On top of these aspects, the customer service is not concerned, nor shows any value toward your account(s).
I had a Cross Country account which had gone into default. I finally had the funds to pay off and close the account. I sent Cross Country a check and I thought they would report to the credit agencies that the account was resolved and closed. They did not. Six months later I am still trying to get them to report to the credit bureaus. Cross Country says they sold the account and I have to contact a collection agency for resolution. I think they are pussy footing. Their name is on my credit report, NOT the agency. If this is not resolved in 30 days I will pursue legal action.