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Nextcard Complaint - This Company Cheats It's Card Holders

Review by lady_a2001 on 2001-12-04
FRIENDSWOOD, TEXAS -- My daughter has this credit card her limit was $700.00 , she made several small purchases no where near this amount. But this isn't what they say, they are constantly adding over the limit fees in 50 to 100 dollars plus late fees even though she pays them every month. She has tried continually to get them to close this account and they refuse to do it. They call and harass her constantly even at 10 or 11:00 on Sunday nights.

My son in law had the same problem with this company and they billed him $300.00 and he never even used the account, he told them I don't want your credit card and they still kept billing him, " and he never use this credit card" go figure. Do not get involved with this credit card company. They really try to get ya. My daughter is at her wits end. they are crazy and they will try to suck you dry.
Comments:5 Replies - Latest reply on 2003-04-23
Posted by Anonymous on 2001-12-18:
I HAVE A NEXTCARD ACCOUNT AS WELL, AND THEY DO GET A LITTLE OUT OF CONTROL WITH ALL THE FEES-AS WELL AS THE APR. EVERY STATEMENT THE APR SEEMS TO GET HIGHER AND HIGHER. ONE THING, THOUGH, IS THAT ONE TIME THEY DID CHARGE ME A LATE FEE WHICH NEVER SHOULD HAVE BEEN AND THEY DID CREDIT MY ACCOUNT, WHICH WAS THE DECENT THING TO DO. BUT I AM WITH YOU IN THAT I WOULD NEVER HAVE GOTTEN THIS CARD HAD I KNOWN ALL THE HASSLES AND I WOULD NEVER RECCOMEND IT TO ANYONE ELSE.
Posted by Anonymous on 2002-02-25:
This credit card company are crooked.they charge on your account for you, they constantly add fees for late charges even if your not late. They add charges so they can charge you over the limit fees. Any credidable company would refuse to allow you to add any charges instead of letting it go over the limit.
I would not advise any one to open an account with these people
Posted by Anonymous on 2002-03-01:
I have an account with NextCard also. I APR has been raised 3 times and is not at 30% and they made me pay for a fraudulant charge on my acct and would not reverse it or any late charges or over the limit fees. Their management is rude and has no idea what customer service is. Personally, I think that they all need to get back to 3rd grade, learn common sense and some decency. No wonder their stock is like .30 a share. DO NOT GET INVOLVED WITH THESE PEOPLE!!!
Posted by Anonymous on 2002-03-20:
I agree about Next card they did the same thing to me...harrased me till I had to change my phone number...I heard that they are in serious trouble with their finacal backers and board members
Posted by Anonymous on 2003-04-23:
I had a NextCard VISA that had a credit limit of $6500. It was almost maxed out, so I stopped using the card and was making the minimum payments faithfully and on time for over a year. One day, I made the payment online the night before the due date, and I was charged a $25 late fee. That brought the account over the limit, so they hit me with a $50 over the limit fee on top of that. My minimum payment due was then $170 rather than the usual $128. Being on a tight budget, I called NextCard to have the charges removed, but was put on hold for over an hour. I e-mailed them from my online account, and got an automated response that nobody could help me, because NextCard had filed for bankruptcy and was taken over by the FTC. Sure enough, the next day I got a letter in the mail saying my account, along with 800,000 others were closed due to the FTC debacle. As I tried to figure out who to contact regarding the charges, and if I could still make payments online, my payment had lapsed a month and all of a sudden, the minimum payment had ballooned to over $500. IN ONE MONTH! At that point after numerous attempts to contact them, I said SCREW IT. The card is now in the hands of NCO. Who cares? I had every intent of working with NextCard to resume my usual payments, and this is how they treat a person who made timely payments. They, NCO, and most credit card companies are worse than the Mafia. At least the Mafia will kill you quickly.

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