Union Plus MasterCard

Union Plus MasterCard

Household Credit Services (Union Plus MasterCard) I have a Union Plus Credit Card that I have had for over 15 years. I had a platinum card with a limit of over $20,000.00. My wife asked me to have our limit reduced to $2500.00 because she was afraid of having my card stolen. We had that done and later I was informed that my limit was increased to $4500.00. I was not asked if I wanted the increase it was just done. My wife has a Target Credit Visa Credit Card and we charged 9 tickets to Hawaii for all of our kids and their families this summer.

I got an offer from Union Plus for 5.9% for balance transfers and they sent us three checks to transfer balances. We wrote a check for $4700.00 which put us over our limit by about $500.00 because we had about a $300.00 balance on the card. We have been charged $29.00 for a returned check and couldn’t figure out why my wife’s Target Credit Card has showed the amount paid since 4/21/05. I emailed Union Plus and reported this so we could get this straightened out. They told me the usual about what a valued customer I was and they were sorry for the confusion. The check was not paid on the first attempt 4/25/05 because we didn’t have sufficient credit available.

When they attempted a second time we had sufficient funds. It is strange because our balance was still a little over $300.00 but only after charging us $29.00 for a returned check do we now have sufficient funds available. I have very good credit and always pay my bills on time and I am just fed up with Union Plus and feel they are using very unfair business practices. Is there anything I can do about this unfair charge? Please let me know. Thank You, Tom Click this link to e-mail the message author: Email User