No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I know they are terrible but I got it for my husband to rebuild his credit a year ago and they gave him a 2nd carad. I make payments from my checking account every month for a year.
At the beginning of August, I made an extra payment so they suspended his cards for "Unusual payment activity". I call, they say they need a bank letter stating I authorized the payment. Called the bank, they sent me letter that the account was mine and I can authoroize payments. I faxed the letter, I faxed my bank statement, along with letter they sent him, letter from my bank, letter I wrote and copy of my license for ID purposes. This is over a span of 2 months I've been sending this. I wasn't able to make any payments online, I had to call and make payments over the phone with debit card(from same account mind you). Meanwhile they reported cards to credit bureaus as credit line suspended.
Fast forward to today.
Went to make a payment, and unable to make payment due to status of account. So I log in to his account to see what the issue is and can't even log in now. Husband calls and they say they need a letter, I've sent all that. Also, now we are going to be hit with a late payment and a late on his CR so he asked how he was suppose to make a payment, they said he could use another account. Now it's too late and payment is late.
Has anyone ever encountered this?? What can I do. I've faxed the same crap over and over.
I would close that piece of crap. You have had them for a year and they have served their purpose. It's time to move on from them.
So how do I pay them now? Does he call them tomorrow and ask for payoff amount and have them close them? How do we get the negative mark off his report? It says credit line suspended. Wasn't even his fault. This is a huge mess and I'm sorry for ever getting the cards ARGH!!
Thanks a lot!
@Anonymous wrote:I know they are terrible but I got it for my husband to rebuild his credit a year ago and they gave him a 2nd carad. I make payments from my checking account every month for a year.
At the beginning of August, I made an extra payment so they suspended his cards for "Unusual payment activity". I call, they say they need a bank letter stating I authorized the payment. Called the bank, they sent me letter that the account was mine and I can authoroize payments. I faxed the letter, I faxed my bank statement, along with letter they sent him, letter from my bank, letter I wrote and copy of my license for ID purposes. This is over a span of 2 months I've been sending this. I wasn't able to make any payments online, I had to call and make payments over the phone with debit card(from same account mind you). Meanwhile they reported cards to credit bureaus as credit line suspended.
Fast forward to today.
Went to make a payment, and unable to make payment due to status of account. So I log in to his account to see what the issue is and can't even log in now. Husband calls and they say they need a letter, I've sent all that. Also, now we are going to be hit with a late payment and a late on his CR so he asked how he was suppose to make a payment, they said he could use another account. Now it's too late and payment is late.
Has anyone ever encountered this?? What can I do. I've faxed the same crap over and over.
Sorry you had to learn the hard way op. This is why loved ones don't let loved ones use First Premier. or Credit One.
@taxi818 wrote:
@Anonymous wrote:I know they are terrible but I got it for my husband to rebuild his credit a year ago and they gave him a 2nd carad. I make payments from my checking account every month for a year.
At the beginning of August, I made an extra payment so they suspended his cards for "Unusual payment activity". I call, they say they need a bank letter stating I authorized the payment. Called the bank, they sent me letter that the account was mine and I can authoroize payments. I faxed the letter, I faxed my bank statement, along with letter they sent him, letter from my bank, letter I wrote and copy of my license for ID purposes. This is over a span of 2 months I've been sending this. I wasn't able to make any payments online, I had to call and make payments over the phone with debit card(from same account mind you). Meanwhile they reported cards to credit bureaus as credit line suspended.
Fast forward to today.
Went to make a payment, and unable to make payment due to status of account. So I log in to his account to see what the issue is and can't even log in now. Husband calls and they say they need a letter, I've sent all that. Also, now we are going to be hit with a late payment and a late on his CR so he asked how he was suppose to make a payment, they said he could use another account. Now it's too late and payment is late.
Has anyone ever encountered this?? What can I do. I've faxed the same crap over and over.
Sorry you had to learn the hard way op. This is why loved ones don't let loved ones use First Premier. or Credit One.
Funny LOL. I didn't have a choice for him. He burned capital one(not purposely) and has a judgement from them, can't even get a secured. Also burned BOA(not purposely), we fell on hard times.
Now trying to get credit up, I have capital one and not sure who to get for him