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Horrible Customer Service
Posted by on
ARKANSAS -- This is going to be long, but please read it entirely.

I recently applied for and received a visa credit card from Rewards 660. I have had some credit problems and am now trying to rebuild my score. After receiving the $300.00 Credit limit card with only $50.00 Available because of the high fees and charges, I decided to pay the $250.00 Payment at once so I could have a little more to work with. I made the payment by check. Once the check had cleared my bank, I called to activate the card. After having to answer several questions about my identity, I was told that in addition to the high interest rate, that I would also be responsible for paying and extra $10.00 Per month just for use of the card.

When I asked why, the customer service rep could not definitively answer. I then decided that I did not want to use this card or company and prior to completing the activation, cancelled it. I verified that they had received my $250.00 Payment and asked for the money to be returned. I was told that it would take at least 30 days for the refund to be issued, but that I could cut the time in half by faxing a copy of my bank statement showing that my check had cleared.

So, I did that. After 2 weeks, no refund. I called again and was told that the font on the bank statement looked to have been changed and that they could not verify if the check had in fact cleared and that they had to be insured that they were going to get paid. Keep in mind that I never even activated this card. I became enraged and asked for a manager; was on hold for a lengthy period and finally a person who said that they were a manager came on the line and repeated the whole changing of the font story and suggested that the only way to prove that the check had been cleared was to call my bank and have them verify it. I told him to go ahead. OK, the bank verified that the check had cleared 3 weeks prior, just as my statement indicated.

I asked this person was he mailing my refund on this day. I was told that it would take an additional 7-10 days. I have not received my refund yet. What they implied to me by their actions is that just because you may have had past credit problems, you must be a dishonest person and moreover...Stupid! In my opinion this is not a credible company and the dishonest one.
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LANDON on 10/04/2006:
Like I've said in many reviews about this company, I think they're GREAT!!! U are acting like they know u personally. That does seem a bit much to go through, but I love the company. And because u have no/bad credit they would like to cover their butts, which in my mind, is completely understandable.
SUNDERING on 10/05/2006:
Landon, I think you have missed my point. Their "butt" was covered when my check cleared with no problems. And, part of my complaint was that they do not know me personally, but instead they made a stereotypical assumption that I was not, going to pay them. But I am so pleased that their services work for you. I am going to try to do better.
LANDON on 10/05/2006:
And trust me as someone who works in a bank, they can't tell that ur check has cleared. When a company deposits a check it can take up to 10 days for that check to be returned to to account closure, nsf, among other things. Rewards cannot call ur bank to find out if the check cleared because it is against the law for ur bank to release any info to anyone else. And if Rewards calls their bank all that is able to be told to them is "It hasn't been returned yet" yet! That's why they wait! to make sure it has completely cleared. That's why they asked u to fax them bank statement. Don't know why u got the runaround after that, but...clearly I wouldn't expect them to do this EVERY month when I made my payments. but if u read ur agreement, u would see it is right there that payments by checks can be held for up to 10 BUSINESS days for security purposes. read before u sign or complain.
SUNDERING on 10/06/2006:
LANDON, I appreciate your defense of this company and your inside knowledge of banking. It has been over 30 days and I still haven't received my refund. And, I still don't believe that rewards is on the up and up. Quite frankly, I am very nervous.
LANDON on 10/07/2006:
I'm very sorry u're having so much trouble with them. Once I accidentally sent two payments to them and I was refunded with no issue. it took about 45 days, but....better than nothing. Good luck with this and keep us posted!
smc59 on 11/20/2006:
This has to be the worst card ever. Those of you who are defending the company please let us know hw much you are being paid to say glowing things about this company as I might be in the wrong job. The CS is a joke well for the most part the whole company is a joke. Don't waste your time on getting the Rewards 660 card--go elsewhere.
LANDON on 01/22/2007:
Well smc, I work for wachovia.... but I seriously doubt that they r on Rewards660's payroll.
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READ and Follow Directions!
Posted by on
SACRAMENTO, CALIFORNIA -- I most certainly do NOT work for Rewards 660. I wish they WOULD pay me to tell people to start using common sense! I am a single mom from CA who has had a hard time financially and ended up with some seriously bad credit. I consider myself lucky to have come across this credit card program. I did not pay the fees up front, this company TRUSTED me enough to send me a real, legitimate, unsecured visa with money on it. Think about it. Isn't it cool to pay $250 and get $300 in return? I think so. And you don't get charged those fees everyone keeps complaining about unless you're LATE, which you shouldn't be if you're trying to establish GOOD credit, duh! They tell you straight up that if you're paying by check then you need to mail it or phone it in 2 weeks before your due date so it can clear in time. If you don't do that and refuse to pay by a quicker method - that is your bad! Yes they call you to remind you to pay, to make sure you know how to pay, and when they haven't received payment on time. They are trying to HELP you not f*ck up AGAIN. Yes, it bothers me a little that they called me at work more than I felt was necessary, but looking at my credit report I'D call me too if payment was not received promptly :-)

And if you pay attention, you know that you can access your account online 24/7 at And they've even started accepting debit card payments over the phone. The payments this way post in less than 24 hours. I know cause I JUST did it on 11/10. I used my card on 11/11, no problem. My other credit cards don't have this convenient option.

I don't know why some people have been having problems with the customer service reps, but I didn't have any. They probably get irritated dealing with so many people who don't know how to/are too lazy to read contracts they sign and follow the directions, then want to throw a tissy and make excuses when they receive the applicable penalties.
Bottom line, people please READ and make sure you fully UNDERSTAND any contract you sign. If you do that, you can be at least 99% sure you won't be scammed. Rewards 660 is not a scam. They are one of the very few credit lending services available that are NOT a scam for people with seriously messed up credit.
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blondldy36 on 11/14/2005:
velmeezee: good for you, but just because you like the company doesn't mean they are a good company to do business with. also, do not take for granted other people do not read a contract! you sound very hostile towards people you don't even know a damn thing about. I know from my own experience this company SUCKS and is a SCAM!!!!!! people, please do not give this company your business, even if you can read, haha.
vlad on 11/14/2005:
let's see, I DID pay with a money order, and they DID cash it, so think about it, you sound like one of their rude CSR's! well I did report them to the ftc and that's why they are not taking apps over the net!
Never fear good people,they will stop harassing all of you shortly!
I guess she is an employee, she's the only one who said they are good, and she sounds like she's making up excuses for them (sound familar)
Shakra on 11/14/2005:
I love this! She goes on a tangent about people who do not pay her bills on time when she freely admits that she has terrible credit herself. Helloooooo!!! What an idjit.
vlad on 11/14/2005:
Anonymous on 11/14/2005:
A measure of respect would be good here.
blondldy36 on 11/15/2005:
we are only trying to help innocent victims of this rip off credit card. I don't want anyone else to have to go through what I went through with this company. consumers beware, DO NOT get a credit card with REWARDS 660!!!!!!!!!!!!!!!!!
sweetpineapplekitten on 12/18/2005:
you go girl!!!! I really really liked what you had to say to others out there who do not read and don't comprehend very well. I have had this card too since September 2005 and I have had no problems and my credit sucks too! But like you said all they have to do is pay online and pay less than 100 and the funds will be there the next day, and if you pay more than 100 you have to wait 14 days. But like I mentioned earlier, I really liked what u said in your comments!!
sargefoley on 01/17/2006:
I have had 660 for well over a year now and haven't had any problems at all. I always pay w/ a check at and have my funds available the next day. I don't understand what all the fuss is over this card. I had to file BK in 2004 and this is one of the few cards I could get with my crappy credit. Now thanks to ppl. like 660 who give ppl. like me a second chance, my credit score has gone up. I haven't had to call customer service often, but the 2 times I did it was over a change of address and they just couldn't seem to get it right! They weren't extremely rude nor where they extremely nice, just somewhere in the middle.
my2boys on 05/10/2006:
Funny how you are one of the "few" who hasn't had to throw a "tissy" yet, sit back and wait your time is coming. And since people like me must not be 'intelligent' enough to 'read my statement' , there is nowhere on it that says anything about viewing your account info -only one listed is to make your payment.Also it doesn't take 14 days for an "electronic funds transfer" to clear. It's just that - ELECTRONIC FUNDS TRANSFER . Call your bank and ask them what an EFT is and how it works. I wouldn't defend this company so quick either. It's clear from the posts how they operate.
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Rewards660 Is An Awful Credit Card To Have - Customer Service Sucks!
Posted by on
PORT RICHEY, FLORIDA -- About 4 months ago I received the Rewards660 visa. Like most people I had to get this credit card because I am rebuilding my credit after a tragic life lesson...To horrific to mention, anyhow, I always pay my credit card on time, I even received a $75.00 Increase after paying good for 3 months, but I went to Arkansas to get my children after they spent time with their dad for the summer and I stayed at a Travelodge/Bestwestern for 2 nights totaling $65.77. After returning home I tried to use my card and found that the hotel had charged my card for $234.00. So I contacted the hotel and they credited my account $163.68 because they had charged my card 3x's: 1. $103.06, 2. $65.77, 3. $65.77.

Now there is a hold on my card I called the hotel top fix everything and they have on there end they have faxed pages after pages of everything the Rewards660 visa has asked for I have spoken to customer service on several occasions also with managers there who repeatedly tell me they have received no faxes from anyone and that until the hotel does something I cannot use my card ....

I have been waiting for over a month and still no one wants to talk to me I have called customer service at 1-866-374-5816 with to many rep's to mention their names I have called the fraud department at 1-800-854-1557 they absolutely will not speak to me or the hotel about my account then I have called the activation department in which I talked to e=Eddie the manager at 1-866-722-0687 who repeatedly tells me the hold is lifted but when I try to use the card I hear "I am sorry man your card has been declined!!!!!!!!!" Which is embarrassing not to mention I am pissed .... Then when I try to speak to someone else I get the run around daily... Not to mention they have me on hold for over 45 minutes at a time!!

I am ready to cancel this card and not make another payment I think the BBB should revoke their license.. To issue more cards... This company suck!! Not to mention how much the card costs you plus the $10.00 Fee each month for service ... I suppose this is what people get for having bad credit but that is awful the next step I am taking is I am calling governor Charlie Crist. I have had enough of the runaround!!!!!!!!!!!!

Again this company sucks... They say call back in 48 hours over and over again then I call in 48hrs still the same crap! Lets close this credit card company down! The more complaints the better we will end up... We may no longer have a credit card but they have prepaid visa's now! This company sucks!
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Anonymous on 09/07/2008:
Just a tip...the BBB cannot 'revoke their license'. Compliance with any BBB sanction is voluntary. The most that can happen is that a very faint 'black mark' will appear in the business's BBB file. Sorry to say as well, the governor of the state couldn't care less about your problems...any of them. Good luck straightening out this mess.
Anonymous on 09/07/2008:
I've yet to hear anything good about the Rewards660 Card. Hope it works out and over time you can rebuild your credit without having to get ripped by companies like Rewards660.
madconsumer on 09/07/2008:
if you refuse to pay the balance, it will go into collections. then your credit will suffer even worse.

best is to pay oiff what you owe, get this straightened out, and then cancel the card.
sabletaz on 09/07/2008:
Card should be called Rewards666.
Mrs. V on 09/08/2008:
Ask the hotel to fax/mail you the information.

Then you fax AND mail it (return recept requested) to the Credit Card Comp. with a coverletter demanding that the issue be taken care of.

Wait 3 days after you get the conformation that the mail was received and then call the CC comp.

Demand proof that the issue has been resolved.

Good luck!

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Cancel W/O notice
Posted by on
LAS VEGAS, NEVADA -- Warning! This Rewards 660 survives off of the initial fees you pay to receive the card. a company representative contacted me requesting a payment of $60.00. on a $300.00 credit card limit. The next week I sent ion a payment for $80.00 to cover any late fees. Without notice Rewards 660 cancelled my credit card account after receiving the $80.00 payment I sent. I have 3 other credit cards with the same limit, and my monthly payments are $15-$20 a month. Rewards 660 charges $40.00 a month on a $300.00 limit. This company, and companies that rip off people trying to rebuild their credit should not be allowed to do business anywhere in the U.S.

How are Federal, State, and local Governments allow these companies to operate for any length of time is beyond me. If you have a Rewards 660 credit card, and you've been treated unfairly or cheated unfairly I urge you to send a complaint the Attorney General of Sioux Falls, and the Federal Trade Commission
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Ponie on 01/20/2006:
'The next week I sent ion a payment for $80.00 to cover any late fees.' Don't quite understand this statement. If you just got this card, why were there already late fees? If you sent in a payment after the due date and added a bit in anticipation of late fees, this certainly is not a way to build your credit. Please explain.
silvrhawk9 on 02/28/2006:
If you would have read your schedule of fees you would know that they have the right at anytime to cut off your card and also if you had a couple of other cards why in the world would you get another card that is made specifically for people with bad credit I have had this card for over a year and have had no problem whatsoever with them in fact they have helped raise my credit score enough for me to get a mortgage on a house.
rebuilder on 07/12/2006:
slivr hawk is right this card is great, only to the people who don't read the ch agreement is a ripoff and this card was ment for people who are high risk an you can only post payments every 14 days!!!!!!!!
jNinja on 12/08/2006:
Very helpful compliment they suck.
Mel41 on 08/24/2007:
PS-- so far have had the best luck with Continental Finance... still rough waters, but not as bad.
Good luck folks.
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Excellent Credit Card from Meta Bank (Visa Rewards 660)
Posted by on
WASHINGTON, DISTRICT OF COLUMBIA -- I have had this card now for 3 months. I agree the fees are too high, but look at it this way, if you have bad credit go for it, if you have good credit the card is not for you, right? My credit sucks and I've been making my payments on time and no problems with this company whatsoever! If you know you have to pay a bill monthly, just pay it and you're have no problems too! I just had to add this for some folks who don't know, if you send more than a $100.00 payment, they will hold your check for 14 days until it clears, so send money orders or cashier's check. If you send $99.00 or less your money will post the next day via online or mailing in a payment (checks, money orders, etc) it will post the next day. But the catch is if you pay online you cannot make another online payment for 14 days, so mail the rest in as long as its under 100 if you want it to post. Take care.
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sweetpineapplekitten on 12/18/2005:
Dont Play Me on 12/19/2008:
Meta Bank Master and Rewards 660 Visa disgust.
There were no processing problems, dishonest unfair-credit conduct. Ck this Reward 660 excuse out.
It is not an uncommon practice to suspend use of an account for various reasons. We have stopped charging privileges for all Rewards 660 accounts because of processing issues. We have made arrangements with a new servicer whom you will be hearing from within the next two weeks.

I never received a letter from Rewards 660 on their account change. Seems their letters went out after Dec 09 2008 per a Customer Service Rep at Meta. It took me two phone calls to figure out what was going on as the 1st phone call provided me with a automated vague message via Rewards 660 to the tune of, no new cards would be issued and if you received a 660 card do not activate, then a click disconnect. I did not fall into either category as I have been in good standing for over two years. I was merely calling in to verify my balance. My second call provided me with a live rep who laid out the new nasty deal with their Master card.

Here is my added disdain for what happened. Rewards 660 was converting everyone in good standing during this time to a higher increase in a shorter time limit from 50. to 75.00 and from 6 mths to 3 mths for a increase but they added an additional fee. They gave me an increase of 75.00 and told me I would be increased to 2500.00. Low and behold within less than a month I discover via my mentioned phone call my Rewards Visa card is suspended and a new issue of a Master card with Meta was being sent out but there would be no further increases as Meta does not currently have an increase program in place. Disgusted yes, feeling cheated you bet. Rewards 660 converted cards knowingly that they were transferring accounts to Meta where card holders would not be entitled to anymore increases and would remain frozen.

Figure out the math, with Rewards it took over two years to get close to 500.00 now frozen there. So much for rebuilding your credit and bringing up your spending limits. What Rewards amd Meta cooked up to beat the very small window with the credit card company over sight changes was not only dishonest but corrupt. Guess the plan is to keep those attempting to rebuild at the very bottom as sub-prime continual feed. It takes yeas to rebuild ones credit. My woes did not come from over spending but job lose, medical issues and supporting a family. Just as I like others catch our breath we got smacked down again.

I would be interested in a class action lawsuit if one can be made for fraudulent conduct or what ever fits this gross and disgusting move by Rewards aka Meta.
Dont Play Me on 12/19/2008:
Sorry for typing error spell check not correcting. Guess I'm slightly blinded by sub-prime credit card companies. I might add in. I never had problems with Rewards 660 always in good standing and still ended up in the Meta pool, so don't feel bad as your standing made no difference on their flimsy excuse of processing problem claims for trading your account to another side with even less benefits, after all you still have to give them that $10.00 dollars every month whether you use the card or not which equals $120.00 per yr. that is an annual fee, plus pay no less than 40.00 on your card towards your charges. Card holders should be steaming mad.

I would read their new terms as I would not be a bit surprised if there is not a catch on how often you spend with added fee's falling in there somewhere. Check the terms out. You do not want them to play you as a new line of credit showing on your credit report either especially if you have already established a credit history via Rewards 660, its like you just began and that's plain wrong. One thing is for sure their not to be trusted.
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Rip Off
Posted by on

More info on Rewards 660:

The make payments address for rewards 660/ metabank credit card is
PO BOX 30490
TAMPA, FL 33630-3490,

But the please send inquiries to the company is this address
Please send inquiries to:
PO BOX 89210
SIOUX FALLS, SD 57109-9210

Customer service number is
For customer service inquiries call:
(800) 653-4570
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alp2023 on 07/09/2005:
I have a Rewards660 Visa card and it is a rip off cause it charges $250 at the beginning and u only have 90 days to pay it off. Also it won't let you go over the limit but somehow my bill is $320. I don't understand and then when I call customer service they have no idea why it is over the limit. I thought it was a good card at first cause I have bad credit and no one would approve me. If you know of another card that is for people with bad credit and I will get approved, let me know. Thanks!
wholuvzu2003 on 09/05/2005:
I had that problem with the TOTAL card some time ago which I feel is connected with the Rewards 660 due everything being the same except the system, city, paperwork etc. If it is the same I can tell you that calling will do no good....send them a letter. I found a very good form letter on and sent it...I got results right away.
My friend had a problem with them as well...she paid online and they said payment wasn't received even though the bank said it cleared. They wanted a copy of her statement so she faxed and then they said that that wasn't good enough....I told her to use the form fixed it right away.
I think that they prey on people that they believe don't know any better so PROVE to them that you will do something about it! Don't just let them charge you.

As far as good cards, Asprire is the best UNSECURED that I have found but the fees are huge. However, I have had billing issues etc and they fixed them so that's a bonus. I am sticking with secured cards through banks that don't cater only to bad credit people. Its a lot safer since they have a reputation to uphold with their "good credit" customers.
blondldy36 on 09/21/2005:
that is what they did to me. they claimed I had 2 returned online payments due to insufficient funds!!! I had plenty of money in my account. I reported them to the bbb and they are helping me now. you might want to try a card with Orchard Bank.
rebuilder on 07/12/2006:
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Rewards 660 Sucks
Posted by on
PASADENA, CALIFORNIA -- I signed up for a credit card when it arrived I called to activate it. They told me I had to send them income verification. I did and then when I tried to call back I could find my credit card. I told them and I filed a lost or stolen claim. They told me they would send me another card and that I was not responsible for that card and when the new card came I could activate that one. The new card never came so after several months I told them to forget it I don't want the credit card. They said I was not responsible for that card and then a year later they placed it on my credit report for almost $400. and I never activated the card or used it.

Now I can't reach them to get it off my credit. They really suck because of them I have seriously bad credit cause it is listed on my credit as open account.
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Suusan B. on 05/29/2009:
The $400 is most likely a combination of their one-time set-up fee ($97), one-time program fee ($90), annual fee ($48) and their $15 per month fee. You called to activate the card and provided the income verification they requested at which time the probably activated your account. Then you lost the card and waited several months before closing the account.
Soaring Consumer on 05/29/2009:
If they said that you would not be responsible for the missing card, they should not back out on your word.

I suggest that you send a letter of dispute to the credit bureaus in certified mail.
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Posted by on
I had been a consumer of Rewards 660 for about almost an year, when I was late with two payments they suspended my card. I was contacted by a CSR and I made a payment by phone to settle the account balance. Well about two months later I get a letter from the credit collectors that I owe Rewards 660 484.00 I settle for 300.00 and they see that the payment was made but it was made as a settlement offer.

So if I owed them anything which I don't it would have been only 184.00. so I'm glad that they are out of business for scamming people out of their hard earn money.
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Nohandle on 03/06/2009:
Black Queen, are you serious? I'd never heard of Rewards 660 but looked it up. Rewards 660 is an Unsecured Sub Prime credit card which works best for consumers with fair to poor credit. Let's see here. You had your card for almost a year and was late with two payments. You then think you are offering settlement of a debt of $484.00 for $300.00 and feel they are scamming people out of their hard earned money. Do I have it right thus far? As best I can determine they are not out of business but should be shortly with customers such as yourself.
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Phone Calls
Posted by on
SIOUX FALLS, SOUTH DAKOTA -- I have complaint on the Rewards 660 credit card. I have had the card for over a year and always paid more or if anything the payment amount. On April 17th I had surgery and was not able to work I have not been back to work yet and every day I receive at least three phone calls from the company. I did call them to inform them that I was not working right now and when I would be able to send them a payment. It is to the point where I do not even answer the phone anymore. I let it go straight to voice mail and yes there is a message left, but per the FDCA (fair debt collection act) if the leave a message once then they are not allowed to call back the same day that is considered harassment, even if you owe money or not.

It really upsets me because I always made my payments until I had to have surgery. Does anyone else have this problem?
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Anonymous on 06/22/2008:
Regardless of what your past payment history is, your agreement with the credit card company is to pay the minimum EACH month.
If I am not mistaken, the FDCA applies to third party collection agencies and not in-house collection departments, though most in-house collections will follow it.
lelee29 on 06/22/2008:
Yes the fdca does apply to third party collections but also it is a form of harassment when they call three or more times a day. Regardless of the amount owed and also it is not like I have not contacted them because I have
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Don't Get This Card
Posted by on
SOUIX, SOUTH DAKOTA -- I have been a card holder for one year. I never received any inline credit increases (like they promised) they don't report to all three credit companies. They e-mail or call all the time, for no reason. They are rude. Very hard to speak with them, via e-mail or phone. I cancelled the card and they still charged me the $48 yearly fee.

Take it for what it is... their watching every move so they can collect the FEE's. That why this is a multi-million dollar industry.

Go to Wells Fargo they have no fee's to get a card and they are happy to help.
Please don't let Rewards660 ... Take your business else where. You can benefit from other less than credit card companies.
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Ponie on 02/22/2008:
It would be that proverbial cold day in h#ll when I'd pay an annual fee for a credit card. No way. They pay me when I use the card, not vice versa.
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