SAN JOSE, CALIFORNIA -- They incorrectly charged me for interest, even after I paid my balance in full and on-time. I have talked to 4 different people in Spanish, English and 1 "supervisor" and nothing... like talking to "Peggy" (the commercial). I also wrote an email to customer service without any response. Frustrating! PLEASE, be kind to yourself and save yourself unnecessary pain, DO NOT GET THIS CREDIT CARD.
NORCROSS, GEORGIA -- I made a copy of the online transaction when the payment was made. It was 6 days ago now and what they do is apply your payment but hold it as a charge. I thought with electronic banking they're now in two days. I worry of the late charges but haven't seen any yet. Will watch this closely. I do make a habit of paying mine in full - to me is bad business - but I guess they don't appreciate us as customers. Just know we need them to build credit. Also, their customer service is mostly overseas.
NEVADA -- These people will steal your mother if you're not careful. I have never seen such blatant disregard for a consumer in my life. I make a payment and they pull the money out of my account and hold the payment for 2 weeks. If a merchant charges the card incorrectly or the charge is considered a cash withdrawal there is an automatic $5.00 fee just for the transaction, not to mention an escalated interest rate. If they really want to help consumers then they should consider outlining the pitfalls of this card.
NEW YORK, NEW YORK -- On January 22nd I received my credit card statement with a $69.00 annual fee. I called Customer Service and told them to close my account immediately due to not wanting to pay such an outrageous annual fee (especially for a card that was not even gold or platinum). I was told that due to a January 21st charge...that I still had to pay the January 17th annual fee despite my immediately closing the account when I found out on January 22nd.
I explained that I didn't know about the charge on the annual fee on the 17th until I rec'd the statement on the 22nd...or I would have closed the account on that day and not used it on the 21st. Needless to say, the woman I spoke with couldn't care less about my being ripped-off...and insisted that there was nothing that I could do about it.
Does anyone know if this is legal? Does anyone know the name/address for the CEO at Orchard Bank aka HSBC? Would greatly appreciate any assistance or advice. Thanks!