| rev:text
| - I am on hold with customer service again and this is my first payment. I only got this card for my sons use. I simply opened a letter with a Credit Card offer and logged in and the card was sent. I am not complaining about the fee because that was my mistake but after the first month of usage I started receiving phone calls from East Indians who you can hardly understand asking me for payments over the phone which I NEVER do. So I came home attempted to log into my account but couldn't so I called on a Saturday "closed". Called Monday and asked about my problems with logging on and was told that my account was locked because my account was temporarily closed because I didn't make my payment.
Ok, first I was never sent a statement. I was not at 30 days since first use of card. I couldn't access to make a payment. I couldn't reach anyone on a weekend to discuss payment options.
Now this brings me to this current time as I am typing this... I am still on hold after making a payment over the phone and being transferred to the (couldn't understand what they said department) but I was hoping to speak to someone that could help with login issues. Anyways another East Indian tells me that I can't access my account until I provide verification from my bank? I asked for what and he replied to open my account again. I said I don't understand I need to access my account to make payments, watch activity, etc. Again, you need to send verification from your bank that you made a payment. Again, I said "huh", I just made an over the phone payment when that payment clears will my account unlock so I can access my account online? He said not until you mail in your verification from the bank.
So here is the good part, OK I want to close my account! He says it's already closed! I asked so do you mean to tell me I have no further action to close my account permanently? No, it's closed. I am waiting to speak to a supervisor 33 mins and still holding. All in all this is one of those cards that will fee you to death and at any point that you use it they will not send statements, lock you out of your account and charge you a $9.95 fee for overt the phone payment. RUN, RUN, RUN as people say.
Close your account and stop the bleeding. Ok, 36 mins in and the call was disconnected.
I am going to talk to a supervisor and ensure the account is closed at my request and follow through in a couple of weeks. The rough part is I can't go online to ensure the account was closed, you can't trust the people you talk with...... I guess I will have to purchase some type of credit monitoring to ensure they didn't add some type of fee to close my account for which they will send you no statement, no email for this fee that could potentially damage your credit for nonpayment of something you knew nothing about..
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