Household Hell....
Written: Apr 12 '00
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Product Rating:
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Pros: N O N E
Cons: high interest, high fees, poor service, make up their own rules
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| mrmazda's Full Review: Household Bank Credit Card |
Household Credit is NOT a valid company to do business with in my opinion....Unless you are desperate for credit.....
Household Credit offers you several choices for credit cards..their own in house card, GM Card, etc. They are also a large holder of many retail store inhouse credit lines, such as Best Buy, Haverty's, etc.
Pro's:
They reach across the US with their credit lines and it's almost impossible to be turned down.
Con's:
High interest rates. I have had two cards that originated from Household Credit. One had a 22.90% interest rate and the other had a 23.75% interest rate. Both were originated out of furniture stores.
Outrageous over the limit and late fees. Household credit charges between $30.00 and $50.00 for over the limit and late fees on their account. I have never had these charged to my account but in reading the rules associated with the card, they list all of these.
Return Check Fee. If they return a check unpaid by your bank, you will be zapped with both a late fee and a returned check fee ($35.00).
Poor customer service. Upon calling their 800 number, I waited on hold for over 45 minutes and then was connected to a very rude and abrupt customer service representative who told me more about how she was having a bad day than I ever wanted to know. I'm calling you for assistance, not to assist you with counselling. Upon asking my questions, I was transferred to several different departments, each time asking the same question, each time being told I was in the wrong place and being transferred again. It became apparent to me I was not going to ever get an answer so I made the decision to hang up and write a letter.
Upon writing a letter to the credit card company explaining my dissatisfaction with their customer service and customer retention, they promptly notified me with my next billing statement that my account was now closed and that the final payment was due immediately before court action was taken. How nice that was.....
Unless you are desperate for credit, DO NOT USE THIS CARD.
Recommended:
No
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Epinions.com ID:
mrmazda
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 - Top 500 |
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Member: Todd
Location: Conway, AR
Reviews written: 379
Trusted by: 127 members
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