Tim is F.
Scammers
Scammers. They double billed me. I closed my account because customer service was horrible and seemed shady. I received my next bill and before writing out a check (I prefer old school) I went on line and looked at my current balance. I wrote them a check for the amount that was on the screen. I noted when it was taken out and that should have been the end of it. A month later I get a bill for $75.39 and called them up. They gave me a song and dance about how this was for a previous walmart order. I told them the date of the transaction is a week after my account was closed. "Sometimes they lag a week or so". I told the supervisor I was speaking to at that point that it never works that way. The transaction is instant. If the card is good the order goes through. If it's closed or doesn't have enough credit available it will kick it out. It charges the card the same day it is ordered. Using the date as my proof I told her walmart.com would have kicked the card if used on that day as the account was closed. I paid my balance in full but she still stuck to it so I told her I want to file a fraud case. Long and short of it is their investigation found the additional amount I paid was incorrect and the deducted that amount saying I still owed $50 I refused to pay. They added a late fee the next month. I refused to pay. The second month they sent a new bill with another late fee. They tanked my Excellent payment history with the credit bureaus. Knowing, from past experience, it would take 2 years to clear it from my credit report I called them to settle, paid them, and closed it out once and for all. Horrible company. They pull this crap on customers to get them angry and decide to fight them so they can rack up the interest and the late fees. I had the card (and it's sister card First Savings Visa who also I close on principle before they could scam me further) for 4 months so they got all my payments, the annual fee, and the money I just paid them to stop the collections from going any further. Bottom line, in 4 months they got around $700 from me all profit. RUN FROM ANY OFFER THEY SEND YOU