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  • Credit Card Experience...

    Hey All-

    Wanted to share a very odd experience I had. I went online and I am a customer with Bank of America, and They had an offering of the US Airways Credit Card. Excellent Benefits and whatnot. I applied for it, with the thought the Annual Fee would be charged to me 6 months after service, along with the APR as well. Apparantly a misunderstanding I had and I realize it after I had chosen to apply for it. I was going to cancel it once I got it in the mail.

    I went online to look once I got the card and sure enough I was immediatly charged 90 bucks for the annual fee.

    I called the credit card, and had to go through waits, and numbers etc etc. A live Person picked up and asked for name. I told her very clearly, and she goes "Ok Mrs Prude thanks, now I need your account number?"

    I said "I am MISTER Trude, T-R-U-D-E." :|

    She goes "oh ya ok the account number?"

    I gave her the number and she goes "what can I do for you ma'am?"

    I stated "I would like to cancel the credit card please."

    I was prepared to be bombed with 100 questions of why i want to cancel or what they did wrong to make me leave the company etc etc something. I would reply truthfully, I was not prepared to pay the annual fee right away.

    She didnt' ask me anything. She goes "Ok, its closed, Have a great day bye" *click, hangs up*



    Uhm, sorry..She didn't allow me to verify it was closed, ask a couple more questions to verify my mistake and misunderstanding with the card, or maybe try to win me back by waiving the annual fee, or giving me miles or cutting it in half or even coming to any agreement. Even SO, if she did ASK to say why, and I said I was confused and thought I didnt have to pay annual fee, but your rules stated otherwise. She could have explained the rules, restated them and I wouldn't have complained or asked for anything else. But she made no attempt to ask me or resolve anything.

    I found this very strange and totally different from my experience with the AAdvantage Card, always had good service with them.

    While the average user is smart with credit cards, they could and will associate the card with US Airways and assume another bad service with the airline, HARDLY what US Airways needs right now.

    Anyway, just wanted to share it here and your welcome to comment, or whatever.

    Alex
    Stop Searching. Start Traveling. southwest.com

  • #2
    Originally posted by ATrude777

    I went online to look once I got the card and sure enough I was immediatly charged 90 bucks for the annual fee.


    What? you got stung for an annual fee, I have 9 credit cards here in United Kingdom, never paid any annual fees. Have never used 5 of them. Do all CC have annual fees in USA?

    Comment


    • #3
      Originally posted by turbotraker
      What? you got stung for an annual fee, I have 9 credit cards here in United Kingdom, never paid any annual fees. Have never used 5 of them. Do all CC have annual fees in USA?
      Some Do, some don't.

      Most of the Airline's Credit Card have an annual fee attatched, when you pay it is usually up to the card and you depending.

      Alex
      Stop Searching. Start Traveling. southwest.com

      Comment


      • #4
        I'm 20 and have 6 credit cards. Crazy right? Never had a problem with a single one of them.

        You can get just as good a deal for a card with one for free as you can paying. What's the point in paying to have someone charge you interest? Before you say it, yes I know the miles deal, but that's a hell of a lot of money to be spending on a credit card every year to get a free flight.
        Tanner Johnson - Owner
        twenty53 Photography

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        • #5
          Originally posted by Tanner_J
          I'm 20 and have 6 credit cards. Crazy right? Never had a problem with a single one of them.

          You can get just as good a deal for a card with one for free as you can paying. What's the point in paying to have someone charge you interest? Before you say it, yes I know the miles deal, but that's a hell of a lot of money to be spending on a credit card every year to get a free flight.
          Well I pay all my bills off every month, so I am never charged interest.

          So I know I will not only get good credit, I will also get mileage.

          In my eyes because I am paying it off every month, I am paying for the miles, and in this case, 90 bucks a year for 25,000 bucks after one purchase is a HELL of a deal to me. But maybe not to anyone else.

          But nevertheless, I didn't want to pay this type of annual Fee.

          Alex
          Stop Searching. Start Traveling. southwest.com

          Comment


          • #6
            90 bucks for 25,000 bucks?
            Tanner Johnson - Owner
            twenty53 Photography

            Comment


            • #7
              Originally posted by Tanner_J
              90 bucks for 25,000 bucks?
              That was part of the deal for the US Airways Card for new ones..

              First purchase got you 25,000 bonus miles.

              Annual fee is 90 bucks a year.

              Alex
              Stop Searching. Start Traveling. southwest.com

              Comment


              • #8
                Originally posted by ATrude777
                That was part of the deal for the US Airways Card for new ones..

                First purchase got you 25,000 bonus miles.

                Annual fee is 90 bucks a year.

                Alex
                Are you sure you read the fine print and this is actually the truth? So basically if you buy something for $1, and pay a $90 fee you get a free trip to anywhere in the US. That sounds a little too good to be true.

                Comment


                • #9
                  Originally posted by Airbus_A320
                  Are you sure you read the fine print and this is actually the truth? So basically if you buy something for $1, and pay a $90 fee you get a free trip to anywhere in the US. That sounds a little too good to be true.
                  Correct.
                  Value and pricing

                  * 0% Introductory APR on purchases, balance transfers, and cash advance checks for your first 6 billing cycles†
                  * After your introductory APR expires, you will receive a variable APR on purchases and balance transfers, currently Prime + 9.99%. Please note that you will lose your introductory APR if you exceed your credit limit or are late with a payment.
                  * All payments you make will be applied to the lowest APR balances first
                  * No balance transfer fees
                  * 25,000 bonus Dividend Miles® after your first net retail purchase
                  * 1 mile per dollar spent in net purchases
                  * Double miles on US Airways purchases
                  * $90 annual fee

                  Explore a variety of credit cards including cash back, lower interest rate, travel rewards, cards to build your credit and more. Find the credit card that's right for you and apply online today.


                  AA offered the same Deal, only 20K miles posted, after the first purchase, I bought gas for 12 bucks somewhere and got 20K after 6 weeks!

                  Alex
                  Stop Searching. Start Traveling. southwest.com

                  Comment


                  • #10
                    Originally posted by Tanner_J
                    You can get just as good a deal for a card with one for free as you can paying. What's the point in paying to have someone charge you interest? Before you say it, yes I know the miles deal, but that's a hell of a lot of money to be spending on a credit card every year to get a free flight.
                    I scored a free roundtrip, first class UA ticket LAS-LAX-SYD-LAX-LAS in peak season (January) for 90,000 miles, every one of which I got by using the UA Mileage Plus VISA, which has a $65/annual fee, for about 2 years. I used that card for everything I could with that specific trip in mind, including server bills, mortgage, car payments, cable bills... anywhere they accepted plastic went on the card. I always pay my bill in full, so they didn't make a penny of interest.

                    The ticket at the time of booking priced out to roughly $16,800.00, so I'd say my combined $130 in annual fees were well spent.

                    Since I got the UA ticket about 2 years ago, I've been using the DL Platinum AMEX, which has loads of great double/triple miles promotions, and combined with my regular flying on Delta, I have about 450,000 Skymiles to blow -- enough for 3 free first-class roundtrips to Asia on Singapore Airlines, plus a coach skysaver on DL anywhere in the lower 48 to boot. That's another $35,000 or so worth of flights, so I think I'm still ahead.
                    Trump is an idiot!
                    Vote Democrats!!

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                    • #11
                      I went to Europe. It cost me $1100. That is my story.

                      I have one credit card. One, and the balance is zero. I've gone down the slippery slope of CC. Don't get sucked in.

                      I was able to consolidate and saved a boat load of money. Don't get caught kids. (GGGGIIIII JOE!)


                      My Flickr Pictures! Click Me!

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                      • #12
                        I plan on applying for the Alaska Airlines card and getting 20000 bonus miles. The card would be for emergencies when my debit card doesnt work.
                        You've got to try to find what's right before your eyes-Finger Eleven


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                        • #13
                          Originally posted by ATrude777
                          * 25,000 bonus Dividend Miles® after your first net retail purchase
                          Better check that out, actually. Having recently worked for a credit card company (four years for Barclaycard, in the UK - anyone here, I hope I haven't declined you a refund on a late fee, or anything!), I've learned a lot more about how credit card companies charge.

                          Because the $90 annual charge is a fee, then it's not considered a purchase. A purchase is for goods and services. In addition to this, only purchases count toward points for loyalty schemes, air miles, etc. Other things, such as cash advances (including credit card cheques), balance transfers, fees, etc, don't.

                          Comment


                          • #14
                            Originally posted by callufrax
                            Better check that out, actually. Having recently worked for a credit card company (four years for Barclaycard, in the UK - anyone here, I hope I haven't declined you a refund on a late fee, or anything!), I've learned a lot more about how credit card companies charge.

                            Because the $90 annual charge is a fee, then it's not considered a purchase. A purchase is for goods and services. In addition to this, only purchases count toward points for loyalty schemes, air miles, etc. Other things, such as cash advances (including credit card cheques), balance transfers, fees, etc, don't.
                            What is there to check out? I know the annual fee doesnt count torwards mileage status. Only as it claims NET RETAIL PURCHASES.

                            I know my way around credit cards I already have one, and was gonna switch but, no thanks due to how it was handled by them on the phone.

                            Alex
                            Stop Searching. Start Traveling. southwest.com

                            Comment


                            • #15
                              Originally posted by Chris Kilroy
                              Since I got the UA ticket about 2 years ago, I've been using the DL Platinum AMEX, which has loads of great double/triple miles promotions, and combined with my regular flying on Delta, I have about 450,000 Skymiles to blow -- enough for 3 free first-class roundtrips to Asia on Singapore Airlines, plus a coach skysaver on DL anywhere in the lower 48 to boot. That's another $35,000 or so worth of flights, so I think I'm still ahead.
                              now there's something to give to the 1,000,000th pic in the DB!

                              -Chris

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