You dont want it they have the worst customer service ever, I have paid every payment on time since I recieved the card and havent received an increase or been able to get anyone in management to discuss it with me. They are a bunch of liars.
JEFF, getting approved is easy. The problem is once they start screwing you over, it's hell to get out. Between the bogus FEES and MISPLACED PAYMENTS, PAYMENTS THAT ARE HELD UNTIL THEY BECOME LATE, (so they can add late charges of coarse). If you get a card with CROOKS COUNTRY BANK, 9 out 10 people get the ROYAL SHAFT, that might be ok to some, but when they shaft you they forget where the vaseline jar is, so it really hurts. Just read all the post on this site about CCB and you will get a better picture. Up front if you are approved, you will be charged $100 plus $50 annual FEE. so before you even get your card you in debt $150, your starting limit will be $250-350. Like I said if you want to know about CCB read the posts on this board. Personally I can say CCB is the biggest bunch of crooks in the business, from their pres. Rocco down to their customer service people. I could tell you some horror stories about good ole CCB, but I'll let you read them for yourself.
Honestly, Jeff, Cross Country could cost you more trouble and money than you could ever imagine. An absolutely unbelieveable house of financial horrors.
Very easy...however, it takes 2 weeks for them to post a payment at times. I have spent the majority of my time as a cardholder disputing late fees and overlimit fees due to late fees.....in short, not worth it. I cancelled my account, cut up my card.
Jeff CCB is a for profit company but they do not break the law. Everything is in writing if you don't like the terms cut the card up send it back (certified return reciept). Those that complain don't pay their bill on time. A late fee can cause you to go over the limit thus an over the limit fee. CCB puts it in writing mail you payments 12 to 14 days ahead to ensure ontime posting.
Jeff...you decide...Joseph is a supposed CCB employee...think about that and then read his post again...real convincing sales pitch, eh?...his statement "those that complain don't pay their bills on time.." is the mantra CCB beats into their collectors....those employees that have escaped Rocco's House of Horrors will tell you differently... GS is right...just keep reading and your decision will be made for you...
Paying Cross Country on time was a bit of a problem when payments were not posted until late or, incredibly, four payments were "lost" by CCB. Cross Country's customer service was an absolute nightmare to deal with and they were incapable or simply refused to correct their own billing errors. I wouldn't recommend Cross Country to anyone, no matter how desperate for credit they might be. Cross Country is dishonest, disreputable, and disgusting.
Jeff, he's rite they are for profit, anyway they can get it. They'll even steal it out of your bank accounts once they have your account #'s. Some of these people will also tell you that mailing your payment 14 days ahead of time is no guaranty it will get posted to your account on time. I personally know of one instants where the payment was mailed 18 days before the due date. Guess what, it got posted the day after the due date, (19 days) and guess again, that's rite LATE FEE. When the customer called to complain they told her they did not get the payment until the day it was posted. She got a real nice letter from one of the crooks stating that the FEE was legal and her complaint was basically useless. Jeff just in case you haven't figured it out, Joseph is a CCB employee who champions CROOKS COUNTRY BANKS way of doing business. It does not matter if you pay on time, it does not matter if you pay more than the minimum. Granted they don't get to everybody, but if you read all the post on this board (i mean all of them go back through all the pages)you will see just how crooked they are. They have destroyed alot of peoples lives with their bogus FEES for lost payments, and late posting. They also say they have the ability to be one of the best in the sub-prime market. they may have, but that will never happen as long as they treat customers the way they do. The bad thing is I don't see a change in their behavior or crooked way anytime soon.
Jeff and all, My wife and I both had a card through CCB. Whoever Joseph is he is so full of crap I can smell him from where I sit. We canceled our account over a year ago with CCB and even after closing it, they still billed us for over 300 dollars! We finally resolved it with them after 3 months and 3 certified letters they closed the account. Even now I just applied for a home loan with my credit union and they turned me down because my credit report stated that I owed Cross Country Bank 24 dollars and that the account was charged off as bad debt Feb 2000. I don't owe them anything and even after closing the account they are still giving off a stench in my life! So now I have to clear this problem up and then my credit union will approve me but not till then. So if CCB is so good Joseph, how come so many people are having such problems. And it's not because we don't pay our bills. I like so many others have had numerous problems with CCB and not because my payments were late but because I complained to them about their erroneous charges and fees that started appearing on my statement. After I stated I wanted to close my account the crap really hit the fan! Anyway if you are looking for a credit card that works for you and you get to deal with nice human beings try Providian or Capital One. I have had these cards for over 3 years and the customer service is excellent.
Art, Joseph is one of CROOKS COUNTRY BANKS lowlife collectors. He comes on here and says pay your bill on time and you will have no trouble with CCB. We all know that's a crock Everyone on here knows that CCB is the most distrusted company in the business. They will tell you one thing and do the opposite. If it's worth anything, You are not the only one to be screwed by CCB, there are thousands out there that CCB has screwed royally. It's funny Joseph and John come on here and say that CCB has the ability to be a leader in the sub-prime market area. That will never happen as long as they treat customers the way they do. I enjoy reading Joseph's BS it's a riot, because like all other CCB employees he's full of crap. no one on this board believes anything he says, and we just look at it as an employee trying to stand up for his co. If you want to call CCB a co. So Art just overlook Joseph he's a brainwashed CCB idiot.
Funny...I've had a card from them for at least three years and have never had ONE problem. The credit line has been raised several times and has been changed to the Silver Prefered with a higher limit that there was not a fee to increase the limit. Only once did they mess up on the payment, but they reversed the late fee without even as much as small arguement, the card started out with $800 limit and is now over $2500 limit. If the bill is paid I don't see a problem with them
They don't screw everyone, but their track record shows that they get to a high percentage of their customers. Most of the time it has nothing to do with paying your bill on time. For some reason they never get alot of payments. Or get them and hold them so they can add FEES to your account. If you read all the posts on all these pages I think you will get a better picture of just how crooked they can be. Again I say they don't get everyone, but they do screw a high percentage of their customers.
Cross Country is like the plague. Many survive it unscathed, but the victims are enough in number that it has an awful reputation. Exposure to Cross Country is not recommended.
Mr. Joseph Smith, with all due respect I beg to differ with you on the 'not pay on time' portion of your statement. I have kept excellent records and have paid before they indicated on my bill payment forms. I kept getting a higher and higher interest rate. I bought a vcr during the christmas holidays and that was it. I went as far as to pay twice what my payment was and still I received letters upon letters saying my interest payment was going up because I was late with payment. But I am not as dumb as they think. I copied every single check that they cashed which I might add was way before the due date and send them copies as well as the credit bureaus. I did cut my card and refused to pay them a penny. Let them do whatever they want. I am just not paying a dime.
Shannon, I suggest you get a coppy of your credit report and see what CCB has reported. Then if you have kept all pay records I would contact an attorney and bring suit against them. They hate courts because they usually lose big time. As far as JOSEPH goes don't pay any attention to him, he's just another one of CROOKS COUNTRY BANK employees that has no morals or ethics. He's proven that with his statements on this board. PLUS the man is a chronic lier.
RE: cross country bank (do wha This is my first time on this message board and this is really weird! you guys discuss credit cards?? Ive had a few credit cards in my life Associates, and Cross Country, I found no difference between them really except for CCB intrest rate which I now realize that "I" could have avoided by reading up b4 shopping and maybe cancelling but didnt. Im 25 and i just learned to use them to est. credit with select purchaces, and I now have paid them all and buy what i need with cash and use credit for important things, not shoes and chinese food and especially not cash advances. my question is why is everyone so upset with Credit Card Companies?? these are loaning money and charge intrest for it and don't you and I as consumers have the right to simply read the agreements and decide? I wonder what you guys are doing faster- bashing them, or going to mall... after all didnt everyone here who has a problem with cc companies have to apply, accept and charge money!!!?!?! it seems as though people are upset that they cant shop and simply pay at their convience regardless of the terms under which they charged.. Kinda like a friend asking to borrow an item under the agreement to bring it back with in a couple of days but as soon as they have it ,,,its like they say " oh well i'll just take it back whenever" Do what you say you will , or don't say you will.
RE: cross country bank (do wha You need to go back to school and learn to read . When it comes to CCB, well lets just say their bigger thiefs than Al Capone. It has nothing to do with paying on time or paying more than the minimum. They screw alot of their customers anyway they can. Just read all the posts on these pages concerning CCB and you will get the picture. They are the biggest bunch of crooks in the business. By the way do you know Caroline HA!
