Brandy
Lebanon,#2Consumer Comment
Wed, September 20, 2006
I have had this credit card for about 1 year. I have never had a problem. They do have a website. There is a fee of $6.95 to pay that way. However, the website address is www.appliedcardbank.com I have never had a problem with anything. I know that my payments are due on the 8th of every month. I always send in my payments by the 26th of the month before. They always post to my account in a timely manner. I used to work as a customer service rep for a credit card company. Whether or not you get a bill, the payment is always due. Also, with credit cards being a revolving account and not an installment account you are not able to make a big payment and not make another payment for 2 months. It doesn't work that way and it clearly states that in the terms and conditions of the application. If no one reads those I strongly suggest that you start!
Thomas
Anderson,#3Consumer Comment
Sat, August 19, 2006
Do they offer an online site where you can 1. Review you full statement, including pending charges; 2. Then support your issuing an electronic check to pay the account? Based ion your story, if there are no online capabilities then close the account ASAP. If there ARE online capabilities then you should be able to pay early enough to clear it, and simply stop using it. I would still close the account. Visit some banks. See if you can join a credit union. Many of your local institutions will offer reasonable CC deals, especially regional and local banks. You can contact your state banking folk about the date on the envelop and statement w/r/t the due date.... but I would treat this as a side issue.