- Report: #99892
Complaint Review: Plains Commerce Bank - Souix Falls South Dakota
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Plains Commerce Bank
South Dakota Souix Falls, South Dakota, U.S.A.
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Plains Commerce Bank rip-off! Souix Falls South Dakota
I too have bad credit and thought this total card would be a great way to start to rebuild. They sent me card with $250 limit (all fees). I made the $25 minimun payment early.
I noticed they charged me $10 worth of fees for my next payment. The more I thought about this the more I decided I would save for a secured card and decided to close the account. I closed it 44 days after they opened the card.
I called on the 14th to close it. They told me it would take 48 hours to see the account closed and since I made a payment I would get $19 dollars of it back. I kept checking.
Finally, on the 21st, it was closed. They charged me $6 for the moth of June, $6 for the month of July and $3.91 for finance charge... I never used the card...I lost $15.91. Lesson learned.
Check into things before I request them or pay money for them. Yes, rebuilding credit is important and yes, I realze I am paying for the bad money management of my past but when you live on a fixed budget giving money away just to say I have a piece of plastic just doesn't seem wise. Hope this helps others.
Iris
Tampa, Florida
U.S.A.
I noticed they charged me $10 worth of fees for my next payment. The more I thought about this the more I decided I would save for a secured card and decided to close the account. I closed it 44 days after they opened the card.
I called on the 14th to close it. They told me it would take 48 hours to see the account closed and since I made a payment I would get $19 dollars of it back. I kept checking.
Finally, on the 21st, it was closed. They charged me $6 for the moth of June, $6 for the month of July and $3.91 for finance charge... I never used the card...I lost $15.91. Lesson learned.
Check into things before I request them or pay money for them. Yes, rebuilding credit is important and yes, I realze I am paying for the bad money management of my past but when you live on a fixed budget giving money away just to say I have a piece of plastic just doesn't seem wise. Hope this helps others.
Iris
Tampa, Florida
U.S.A.
2 Updates & Rebuttals
Erica
Fort Stewart,Georgia,
U.S.A.
I am a long time costumer
#2Consumer Comment
Thu, November 04, 2004
I have NEVER, in the 3 years I have had an account through Plains Commerce, had a problem. I have been treated well and have received new cards in a timely manner. I, like the rest of you, I am sure, have bad credit. Thanks to Plains, my credit is getting better. All I can tell you to do is read the fine print. If you don't agree with it, don't apply for the card.
Elizabeth
Salem,Oregon,
U.S.A.
I too have a Plains Commerce Credit Card and have had no such problems.
#3Consumer Comment
Sat, July 31, 2004
I also have a Plains Commerce Bank Credit Card and have had no such problems. My bill is always paid before it is due, but I always pay more than the minimum amount. I have had my card for 6 months.
