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Discussion in 'Credit Talk' started by annie, Jul 16, 2001.
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Don't bother with them, they will only screw your credit up some more.
Don't foget Lowes, Home Shopping Network, Casual Corner. etc.
I have a Target and that is issued by Retailers National Bank.
You do have to watch Monogram like a hawk. They have posted a payment or two of mine the day after it was due even though I mailed it out over two weeks before it was due. What a sneaky way to add a $25.00 late charge to your account. When you call them, they blame the postal service (because it could not POSSIBLY be their fault....NOT). Then they tell you they are going to take the late charge off as a one time courtesy to you. How about taking it off because your company screwed up!
My mother has a Wal-Mart card/ monogram bank. She has had the card for over two years. They started her off @ 500. and give her a 300. increase over the two years. She has had no problems with them posting her payments unlike others on this board. I am on her account as an authorized user but they have never reported to my credit report.
I can say that she never really used the card the first year maybe once or twice and she paid in full. But... this last year.. she has been using it more "exercising her credit." I think that's why they gave her an increase in credit.
I MAILED ABOUT 10-12 CHECKS THE FIRST WEEK IN JULY...ALL HAVE BEEN POSTED AS PAYMENTS, AND CLEARED MY CHECKING ACCOUNT, EXCEPT WAL*MART (MCCGB)...
I CALLED AGAIN TODAY THEY SAID THEY RECEIVED IT SATURDAY 07/14/01...I TOLD THEM THEY NEED TO UPGRADE THEIR CHECK PROCESSING SYSTEM...(TRY USING A DIFFERENT SENIOR CITIZENS HOME, TO PROCESS THE CHECKS...AND TRY USING TRUCKS OR CARS INSTEAD OF WALKING TO THE POST OFFICE TO GET THE MAIL)...
THIS IS THE SECOND TIME THIS HAS HAPPENED...THE FIRST TIME...NO PAYMENT FOR TWO WEEKS...THEN ALL OF A SUDDEN PAYMENT POSTED AS OF TWO DAYS AFTER MAILING LIKE SOMEBODY HID THAT DAYS MAIL...
I KNOW I WILL LOSE MY 0% RATE OVER THIS!!!!
I am not sure what her interest rate is although I don't think it is 0%. I could see why you would be so upset with them. The next time they pull that crap with you. Send it Western Union or next day PLUS the bill for your services.. ;-)
Then ... If it doesn't post the w/in two days you have grounds for a civil suit...
IT IS A 3 MONTH PROMO RATE W/MIN PAYMENTS...
Doing some thing they are obligated to do is not a favor !
This always irks me when they say that :
To do some one a favor you have do something for them that you don't owe them !