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Well it's basically charging interest on a payment due (overdue), whether it's an AF or not. How late is it?
@afbar1114 wrote:can i ask how long you have had the card and what does your profile look like
9 years and what do you mean by profile? my fico is 705 and the card's limit is 8k and the apr is 26.9
@clocktick wrote:Well it's basically charging interest on a payment due (overdue), whether it's an AF or not. How late is it?
it's never been late and the current payment isn't late.
fyi, fbusa charges daily interest that shows up in real time online. i was charged the AF on 3/14 and the current balance is like $58.
Ugh, yeah I would definitely try to contact them and see if they'll waive it for you. Please keep us updated!
wow charging daily intrest...it sounds like its a card ment to be for building credit like others said it stays on your report for 8 years.. so it seems as you charge something they charge you intrest. your score isnt bad but if you have any baddies that may be an issue but based on what you said you can get a much better card then that. if a card charged my intrest daliy i would close it asap but its up to you
I would close.
I get you want to keep it for age but it will continue reporting for 10 more years after you close. That should be enough time to allow you to get the cards you want and move on from bad banks.
+1 on axing it.
@afbar1114 wrote:wow charging daily intrest...it sounds like its a card ment to be for building credit like others said it stays on your report for 8 years.. so it seems as you charge something they charge you intrest. your score isnt bad but if you have any baddies that may be an issue but based on what you said you can get a much better card then that. if a card charged my intrest daliy i would close it asap but its up to you
dude, what's wrong with you? why do you keep putting words in my mouth? i have never been late and don't NEED to keep this card cause I cannot get better ones.
i have a costco amex that i use for rewards and an amex gold which have sub 10% apr's. i don't know why you keep assuming things.
also, i didn't know that it would keep reporting for 10 years after I close it so I will cancel it tomorrow morning after i pay the $55 AF.
@Anonymous wrote:
@afbar1114 wrote:wow charging daily intrest...it sounds like its a card ment to be for building credit like others said it stays on your report for 8 years.. so it seems as you charge something they charge you intrest. your score isnt bad but if you have any baddies that may be an issue but based on what you said you can get a much better card then that. if a card charged my intrest daliy i would close it asap but its up to you
dude, what's wrong with you? why do you keep putting words in my mouth? i have never been late and don't NEED to keep this card cause I cannot get better ones.
i have a costco amex that i use for rewards and an amex gold which have sub 10% apr's. i don't know why you keep assuming things.
also, i didn't know that it would keep reporting for 10 years after I close it so I will cancel it tomorrow morning after i pay the $55 AF.
No need to get so angry with people that are trying to help you.
As others have suggested, definitely close this card immediately. I am pretty sure this company always charges interest daily on any balance, and it doesn't matter whether it is a charge or a fee. All the more reason to close it immediately.
@Anonymous wrote:
@afbar1114 wrote:wow charging daily intrest...it sounds like its a card ment to be for building credit like others said it stays on your report for 8 years.. so it seems as you charge something they charge you intrest. your score isnt bad but if you have any baddies that may be an issue but based on what you said you can get a much better card then that. if a card charged my intrest daliy i would close it asap but its up to you
dude, what's wrong with you? why do you keep putting words in my mouth? i have never been late and don't NEED to keep this card cause I cannot get better ones.
i have a costco amex that i use for rewards and an amex gold which have sub 10% apr's. i don't know why you keep assuming things.
also, i didn't know that it would keep reporting for 10 years after I close it so I will cancel it tomorrow morning after i pay the $55 AF.
Hey hey now....................
Appbar Jr. is just going through withdrawls right now............we all need to bear with him and show him luv and support!!!!