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Company: Money, Credit Cards - MBNA Visa trouble paying off credit card

Category: Other

No Topic

MBNA Visa

From: Sharon Hackley COMPLAINTS.COM_FORM_MAIL_27023#

Date: Saturday, May 05, 2001 03:33 PM Sent To: www.mbnanetaccess.com 5/5/2001 3:31:44 PM Dear Business: a consumer posted the following e-message at Complaints.com. Please respond directly to the consumer, using the consumer's name and e-mail address (as per the From: field above). You may also wish to respond publicly on the Complaints.com site. Just locate this e-message posted in your business's conference and click on the "Reply to" link. (Note: a user registration is required before posting e-messages to the Complaints.com site.)

_____________________ My husband has had a Visa account with this company for 5 years. He has been at his credit limit for about that long. One reason is they are constantly charging for every thing they can. Late payments, over the limit (which you get because of the late payments).

I just spoke with customer service rep because our bill for May has a late payment charge from April. In March we made 2 payments but this month the payment was received late so they charged a late charge even though last month there were 2 payments made. My feelings is that 1 of the March payments could have been considered an early payment. She said that it had to be received after 3/27 to be considered for April. It was received on 3/21.

Something is wrong with this picture. We will never be able to get this paid off. We are trying. It is not like we are not.My husband has been laid off since September and we have been using the credit insurance premium to pay our payment and that is $24 a month. When we can make a payment extra, we do. There are a lot of people who don't pay them. I think from time to time, you credit card people need to reassess your rules. We are not rich and my husband made a terrible mistake by using this card. If we ever get it paid, we will never have anything that has MBNA on it.

If you have to stay in business from poor people like us, that is too bad.