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Dillards GE Credit Card - Ripped off by the Dillards Credit Card free interest promotion!!
Free Interest Credit Card purchase for furniture. - Complaint
Review by Moblyw on 2012-10-20
Rating: 
TULSA, OKLAHOMA -- Went to Dillards in Tulsa, OK. Purchased furniture due to a one year free interest Dillards GE Credit Card. We have excellent credit. Score is high as can get. Got a letter from Dillards GE credit card second month saying payment was late. No problems like that with any other credit card since mailed the payment off 10 days before date due. Then in two more months got a bill from GE saying they never got that months payment. Charged late fees and 28% interest charges. Never late on any other credit cards. Never had a payment sent off that they didn't get. This is a scam to charge late fees and high interest charges. If you use Dillards GE credit card then you best go to the closest Dillards store to make your payments. We went ahead and had to take funds out of out saving account to pay off the furniture, because GE said once your late then they charge high interest rates until the balance is paid off. We paid it off at Muskogee, OK Dillards.
Comments:
Posted by trmn8r on 2012-10-20:
Most all these promotions work the same way as far as the fees, interest, etc once the bill isn't paid on time - that is standard across the board.
I'd like to believe the bank didn't "misplace" or "lose" payments on purpose. The question is why the bill was not paid in a timely manner. On a promotional deal like this, I would mail the payment a few weeks ahead of time to make sure it is paid on time - in fact, I would use electronic payments to be even safer.
How many days late was the first payment? In the second month, did they ultimately get the payment and it was again said to be late? I've never had a credit card payment go missing, but I have been using electronic transfers for many years now.
These promotional deals are only good if every single payment is made on time. When I did send checks, I verified each cycle that the payment had come out of my checking account.
I'd like to believe the bank didn't "misplace" or "lose" payments on purpose. The question is why the bill was not paid in a timely manner. On a promotional deal like this, I would mail the payment a few weeks ahead of time to make sure it is paid on time - in fact, I would use electronic payments to be even safer.
How many days late was the first payment? In the second month, did they ultimately get the payment and it was again said to be late? I've never had a credit card payment go missing, but I have been using electronic transfers for many years now.
These promotional deals are only good if every single payment is made on time. When I did send checks, I verified each cycle that the payment had come out of my checking account.
Posted by clutzycook on 2012-10-20:
It could be the mail, I guess. Did you check to see when your checks were cashed? That's why I prefer to use the electronic bill pay. No chance of it getting lost in the mail.
Posted by CrazyRedHead on 2012-10-21:
You could go to there website and pay the bill online. Since the mail is very unpredictable I found paying online to be almost immediate and you have a confirmation number and a way to track said payment. With computers it makes paying bills much easier. I just don't like convenience fees, they don't sound very convenient to me.
Posted by GECapitalCares on 2012-11-28:
**To expedite a response, please provide Reference code DM 112812_my3cents_Moblyw**
I’m sorry you have experienced issues with your GE Capital Retail Bank account. We would like to try and resolve your concerns.
Please email me at gecapitalcares@ge.com with the following information:
- The full name associated with the account
- Mailing address associated with the account
- Your contact phone number
For your security, please do not include your account number in your email.
Regards,
Nicole
GE Capital
I’m sorry you have experienced issues with your GE Capital Retail Bank account. We would like to try and resolve your concerns.
Please email me at gecapitalcares@ge.com with the following information:
- The full name associated with the account
- Mailing address associated with the account
- Your contact phone number
For your security, please do not include your account number in your email.
Regards,
Nicole
GE Capital
Posted by Jp001 on 2013-02-15:
Made 290.00 on a 25.00 minimum payment in feb. 40.00 on feb 6th and 250.00 on feb 7th payments are on time. But only 40.00 is calculated in my available balance. It is now the 15th of the month. My account balance was zeroed out after interest was added on the 11th and still at zero balance. I pay this amount to
use more than the 650 credit line per year to earn the 1500 points
for 10% off. Pmt was auto from my bank. I cant use my card.
use more than the 650 credit line per year to earn the 1500 points
for 10% off. Pmt was auto from my bank. I cant use my card.
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