Complaint Review: Household Banks Accept Our MC

This is to Debra - Orangevale, California -
As a matter of fact I do have better things to do other than offer negative comments, thus the reason it has taken me so long to review thise site. If you were the person posting that message I would have made the same exact comment to you and unfortunately for you, if your thinking was on the same lines as the original poster I doubt very seriously if you would be able to do anything other than write a rebuttal as you have done. So much for not allowing me to speak to you in such a deplorable way.

This has nothing to do with being better than anyone as it has everything to do with someone not being financially mature enough at this stage (based on the information they posted) to handle a credit card. Also, since you have taken the time to post your negative comments I guess that puts you in the same category as you are trying so hard to place me.

My comments were not negative in the sense that they were trying to degrade the individual who accused Household of causing his account to be overdrawn because they utilized the money he provided them-my comments were factual. The author of this thread is either extremely naive or delusional to pay money (regardless of how much) when he doesn't have the money to pay.

I concur with your statement that $* happens (you have proven that by simply existing).

I agree, .. I am also combating Household Bank for an entiely different reason, but I agree that they are taking advantage of us without great credit ratings.

I do, however, have a comment about your letter. I know you were upset when you wrote the letter, but please, in the future, read your letter before you send it. Your letter was filled with typos. (no I'm not a teacher) You will be taken much more seriously if your letter isn't filled with typos. I am not a very good speller, and this letter is probably filled with miss-spellings, but I at least I re-read this and corrected the typos.

I have been a Household Bank credit card customer for about 5 years now. I have never had any fraudulent charges and they have never charged me a fee unless it was legitimate. The customer service dept. has always been curteous and prompt in handling any and all of my calls or questions. I guess what I am trying to say is that, if someone was to write a bogus check, I am sure that there are fees that have to be paid. I don't believe that asking the people that you wrote the bogus check to, to pay the fee for you is the right thing to do. If that were the case, the bank would send the merchants the bill for the insufficient fund fees. The best thing to do is to make sure there are funds to cover any and all checks that you write as stated in your bank disclosures.

First off, let me get this straight.

You sent in a $19 fee (that you did not have), expecting to get approved, then when you are not approved, you got angry because the $19 fee caused you an overdraft charge?

Even if you were approved, the $19 STILL would've caused an overdraft. If you don't even have $19 to spare, you had no business applying for a credit card in the first place.

I'm not trying to judge you in anyway. I myself used to be terrible at managing my credit and got myself in such a mess I had to file bankruptcy.

However, I learned from my mistakes and my credit has recovered.

Were you planning on paying the $19 through your bank account and then "borrowing" the $19 off your card and putting it back into your bank?

It's probably a good thing they didn't approve you. You probably would've maxed out your card and been unable to make the $20 a month min. payment.

BTW, all credit card companies charge overlimit/late payment fees. I will admit Households fees are higher than some - however, Household Bank IS NOT American Express.

You do not have to have stellar credit to have a credit card through them and most lower end credit cards have higher fees.

What I don't understand is why you were billed $19 BEFORE you were approved. When I applied for my card, I applied online with no charge and then AFTER the approval was complete they sent me an invoice for the $19 processing fee and once I sent it in, my card came about a week later.

I have had a Household bank MC for a year and a half and have never had any issues or strange fees.

If you don't go over limit/miss a payment, then their high fees shouldn't be an issue.

Advice: Don't apply for credit you can't pay for.

let me just say this for all to hear. I am addressing the last comment on this posting. First of all if I were the person with this posting I would not allow you to talk to me in such a way where do you get off??? You are not better than her and if in fact you were I am sure you would have better things to do with you time then to share your negative attitude.

Household bank is a fraud period they over charge for late and over limit fee that are stupid. S&*^ happens people lost there jobs that doesnt mean that they can charge hundreds of dollars in fees they are scum point blank and you seem to also be listed in that same category. Let it be know that anyone who has a HH bank credit card need to cancel it THEY ARE RIP OFFS

There is something seriously amiss here and it does not appear to be Household Bank. Often when you apply online-you may not get an immediate decision if there are questions regarding your credit application. If you do not get an immediate response, it usually means the company needs to further review the application or additional information.

What is confusing to me is your statement that they took your $19.00 causing you to have an overdraft on your account. Surely when you remitted the $19.00 payment to Household, you did so with the understanding that you may be approved for an account and the company would use the $19.00 as an issue fee. How is it that they caused your overdraft? You caused your overdraft by not balancing your checkbook.

It is not uncommon for a company to take anywhere from 7-14 business days to refund money. I do agree that 22 days is a bit excessive but to think that it would be returned to you the same day is unreasonable.

What you need to know is do some research on money management before ever applying for credit again.

There is something seriously amiss here and it does not appear to be Household Bank. Often when you apply online-you may not get an immediate decision if there are questions regarding your credit application. If you do not get an immediate response, it usually means the company needs to further review the application or additional information.

What is confusing to me is your statement that they took your $19.00 causing you to have an overdraft on your account. Surely when you remitted the $19.00 payment to Household, you did so with the understanding that you may be approved for an account and the company would use the $19.00 as an issue fee. How is it that they caused your overdraft? You caused your overdraft by not balancing your checkbook.

It is not uncommon for a company to take anywhere from 7-14 business days to refund money. I do agree that 22 days is a bit excessive but to think that it would be returned to you the same day is unreasonable.

What you need to know is do some research on money management before ever applying for credit again.

There is something seriously amiss here and it does not appear to be Household Bank. Often when you apply online-you may not get an immediate decision if there are questions regarding your credit application. If you do not get an immediate response, it usually means the company needs to further review the application or additional information.

What is confusing to me is your statement that they took your $19.00 causing you to have an overdraft on your account. Surely when you remitted the $19.00 payment to Household, you did so with the understanding that you may be approved for an account and the company would use the $19.00 as an issue fee. How is it that they caused your overdraft? You caused your overdraft by not balancing your checkbook.

It is not uncommon for a company to take anywhere from 7-14 business days to refund money. I do agree that 22 days is a bit excessive but to think that it would be returned to you the same day is unreasonable.

What you need to know is do some research on money management before ever applying for credit again.

There is something seriously amiss here and it does not appear to be Household Bank. Often when you apply online-you may not get an immediate decision if there are questions regarding your credit application. If you do not get an immediate response, it usually means the company needs to further review the application or additional information.

What is confusing to me is your statement that they took your $19.00 causing you to have an overdraft on your account. Surely when you remitted the $19.00 payment to Household, you did so with the understanding that you may be approved for an account and the company would use the $19.00 as an issue fee. How is it that they caused your overdraft? You caused your overdraft by not balancing your checkbook.

It is not uncommon for a company to take anywhere from 7-14 business days to refund money. I do agree that 22 days is a bit excessive but to think that it would be returned to you the same day is unreasonable.

What you need to know is do some research on money management before ever applying for credit again.