I walked into a total scam this week, got an offer for an Aspire Visa in the mail to "rebuild" my credit which I don't really need to "rebuild" my credit, however I've almost maxed all my credit cards on my upcoming vacation and an additional 300 dollars in credit would really help at this point - just in case of an emergency. So I sent them the $20.00 deposit and got the card activate..well, I tried to use the card today and it wouldn't work..so I figured ok I need to call and find out why it wasn't working...when I called it said my balance was already 165.50..now if I didn't use the card yet and couldn't, what the hell was the 165.50 charge...here's the scam...
150.00 annual fee 15.50 activation charge and then monthly service charges of 6.00
now why the hell would anyone want a card that charges them 150.00 annual fee right off the bat with only a 300.00 credit limit..then I noticed on the back of the card, all the customer service numbers are blacked out except one which after numerous disconnects I finally got through to a real live person and told them to cancel the damn card, to refund my deposit payment or I was going to sue them for being a scam..nowhere in my paperwork was there any information about their 150.00 annual fee...and they tried to talk me into keeping it..I realized I was a little naive but not a complete moron.
Good news..they are cancelling the card, refunding my deposit and sending me a confirmation letter.
Next time, I will call the credit card company that offers me credit and find out if its real before I sign my name to anything again.
10:21:22 PM
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