Got the Advanta credit card bill 2 days after the due date. We've had some crazy mail delivery problem in this city. Immediately went online and made payment, then called their rep and explained that mail just arrived. She said she would take care of it, unfortunately, I will have to wait and call back during next billing cycle. When I received next bill, with huge late fee and finance charge, I was reminded to call again. And with another rep, he refused to remove the late/finance charges.
Do you think Advanta is scamming? Providing promotional rate, then send out late statement to collect on fees? I've had bills arrive late before and others were nice enough to forgive, but not Advanta. 3.9% promo rate was great deal for consolidating, but it turned out to over $500 in late/finance charge due to late mail arrival.
The Advanta rep also lied to me that they had automatic payment system. I always paid their bills online, and I know for fact they didn't have automatic payment feature. If they did, I would of used it.
I've had Advanta MC for near 7 years, and I used it occasionally on promo rates to consolidate. And I can’t remember being late on a payment once. If I ever been late, it could be years ago when I was traveling overseas. Because I remember being late for Bank of America payment when I returned.
Since I got no result with their rep, I sent them an email, fax, and snail mail, requesting a waiver. I'll post here when I'll get a reply.
I get email notices and always pay on line. I have never had any problems with bills arriving late. My rate is 35.69% I just noticed, but I pay the account off each month and refuse to accept any charges.
However, I have had a problem never before experienced with other cards I carry! I have had two occassions of fraudulent charges. First a charge for $1800+ for "shutters" later found out to be a ring from Australia randomly generating card numbers supposedly and making this charge. I caught these and they actually knew of the exact charges as they said it has happened to other Advanta customers! Card was cancelled and reissued and 2 months later, IThey suspended my card(which was good service) as 2 charges for $584 were charged in Dickson PA at a walmart and a Kmart. I am in Louisiana and don't make $1000 of charges in a given day generally. Again the card was cancelled and reissued.
But I am wondering what is going on? I have never lost this card and rarely, is it out of my hands for transactions. No other problems with other cards. Could they have an inside problem?
I will post again if this happens a 3rd time!
Anyone had any recent fraud problems with this card?
Yes, I have an Advanta Business account also. 7.9% lure and after about 9 months, raised to 18%, no late payments, always paid balance or 10 times minimum. After caling them, they lowered to 16%. Now, recently I received a statement, 34%. I called and canceled the card. They can have it. BEWARE - NEVER AGAIN WILL I HAVE AN ADVANTA CARD. THEY ARE CROOKS!!!
I have Advanta MC for business. I pay online and they owe me an amount for prompt pyment. R3cently though I found two unathorized charges on my card and they promised to cancel and reissue my card.
Now I'm reading these horror stories aobut the card, should I be concerned? It's scary what some companies can do to screw their customers. Ill keep an eye on my acccount.
Yeah Advanta is a big time scammer. I had a 9.99% interest rate, made every payment on time (via the internet, they never send statements on time, fortunately I pay all my bills online and check personally, I don't wait for statements). I've paid on time every time, more than the minimums and I just logged on and seen that they jacked up my interest rate to 18.99%! Of course with no reason, no mailing, no nothing. I called and they told me they reviewed "their portfolio" and decided that they had to, not because of a default on my part, it's their right. They told me there's nothing I can do about it, and basically that they don't care. So I got online and read all these other complaints and scams that they've done, sending statements late on prupose and things like that, the thing is that method didn't work with me cause I paid before ev er receiving statements and they DOUBLED my interest rate anyway. Screw them go some where else!!!!
bank of america m/c did the same thing to me,,i used a promotional check,,they never send statement, so i called wondering where my statement was,,they said it was send (i dont believe them),,,so now that im about six days past the due date, ive lost my 2.9% rate as well as charged late fee of 40. that is a pretty sorry way to rack up interest fees from customers.
If you have a credit card, get set up with automatic drafts for payment before you even use it so they wont stick you.
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