My Last Words to US Bank Kroger 123 Card

[DI]

The $10 payment is on its way from my bank.  Close the account immediately.  You people are loan sharks.

[Anonymous]

I must have missed what US Bank Kroger did to you, but I'm sure you did the right thing, good for you Bro!!!

[DI]

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@Anonymous wrote:

I must have missed what US Bank Kroger did to you, but I'm sure you did the right thing, good for you Bro!!!

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I recently opened a Savings and Checking account with USAA.  To fund the accounts, I had USAA to debit $50 from my Kroger card since I had not used it since December 2010.  When the $50 posted, an additional $10 appeared as a cash advance fee.  I had no idea I'd be charged a cash advance fee.

I had aleady sent the $50 to US Bank and the payment had posted.  I asked US Bank if they can waived the $10 fee as a one time courtesy.  The Rep said since the cash advance is valid they will  not waive the fee.    I responded back to them with those last words. 

[ChesterPDexter]

I looked at their terms and conditions, and I don't see anything out of the ordinary except an APR that seems typical for store cards.  I look forward to hearing the saga of the US Bank Kroger 123 Card.  I like a good story.

I dislike my Sam's Club Credit card intensely, although they haven't done anything to me that I didn't allow them to do.  I consider GE Money Bank to be loan sharks.

[ChesterPDexter]

No offense, DI, but don't you know (I mean, isn't it typical) that anytime you use a credit card for cash purposes, it is treated as a cash advance transaction?

[DI]

 I blame it on myself.  I just felt like they'd atleast waive the fee.  I guess they found a way to get $10 back from the $50 gift card they gave me.  I'm still ahead. 

[ChesterPDexter]

That is cheesy of them.  I am glad you are still ahead.  I am so tired of cheezy, sleezy card companies and when I pay off my Sam's Club, I wll be done with them.  On to bigger and better things.

A REAL credit card company will waive a fee for you.  The loan shark companies know that there is fresh meat for them right around the corner so they don't mind losing a customer.

[DI]

My credit reports don't need US Bank $5300 credit line since its about to get  $17,000 in new credit reported soon. 

[Anonymous]

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@DI wrote:

My credit reports don't need US Bank $5300 credit line since its about to get  $17,000 in new credit reported soon. 

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They should have waived the fee, whats $10 to them??? 17,000 in new credit??????????? You get yourself some new sweet CC's or some CLI's? Congrats on that!!!!

[tinuviel]

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@ChesterPDexter wrote:

I looked at their terms and conditions, and I don't see anything out of the ordinary except an APR that seems typical for store cards.  I look forward to hearing the saga of the US Bank Kroger 123 Card.  I like a good story.

I dislike my Sam's Club Credit card intensely, although they haven't done anything to me that I didn't allow them to do.  I consider GE Money Bank to be loan sharks.

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Same here! (grabbing popcorn...)

Good luck, DI! Keep us posted.