06.14.08
Posted in Uncategorized, credit cards, Finance
at 3:38 pm
There are some companies that issue credit cards to people who has bad credit record or no record at all. That sometimes results in multiple over-limit or late payment charges. Consumers consider this practice to be predatory. But such companies as American Express do not agree with the statement. They say they are not responsible for the decisions of their customers. Besides, American Express is considered to be one f the most respected and reliable companies in the industry. But even such company might have some unsatisfied customers. And that can depend on the employees of the company as well as on the services and products that this company provides. That is why there could be complaints even against American Express.
Company overview. American Express is a services company. The company was founded in 1850 by Henry Wells, William Fargo and John Butterfield. American Express specializes in credit card, charge card and traveler’s check business. The tagline of the company is: “Are you a card member?” American Express provides a line of credit card products, such as One card, Discover card, Centurion card, Blue card, Red Card, Clear card, Express Pay card and Plum card. These cards allow their customers to carry a balance, interest protection, rewards program, savings accelerator plan, damage waiver and a variety of other benefits. American Express is a truly international company that has offices all around the world.
American Express services. American Express is widely recognizable company that specializes in issuing credit cards, charge cards and traveler’s cheques. Company’s first credit card was issued in 1950 and since then American Express understood that it is a real possibility in credit card business. Today the company offer a great set of different credit cards: Blue, Red, Green, Clear, Gold, Platinum. Even though it is one of the most trusted and reliable companies ever, they still happen to have problems with their customers. Sometimes they just fail to deliver good customer service when their customers have some problems with credit cards. But usually American Express sticks to its rules and promises to help their customers to solve any problems. If there is any issue, the customer does not have to hesitate and ask for help. In most cases, the company would never refuse. It is their responsibility to provide smooth service. Customers should be aware that the company should solve the problems that appear with the services it has provided.
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02.23.08
Posted in Uncategorized, Debt Services, credit cards, complaints
at 1:44 pm
It is so hard when you are short of money and there is nobody out there for you. All the friends do not want to engage in any financial problems, they believe that if you went bankrupt, it means you do not know how to use money correctly and that you may not return it. But different situations happen. Maybe it was a bad luck and that is why you failed financially. In such cases banks are not helpful as well. But there are certain companies which do help to resolve the financial difficulties.
Cash Call. Cash Call is headquartered in Fountain Valley, CA. It provides unsecured loans and specializes in fast cash loans, quick money, emergency cash loans, and short term loans. The nationwide network of the call centres and highly qualified financial specialists provide unsurpassed customer care. The money from its income the company spends on paying off the debts and not on financing acquisitions. Therefore on the market the economic position of Cash Call is considered to be weak. And in this situation the company has to raise finances using the right issue to implement the strategy.
Customers about the company. Cash Callprovides its services for people in need. 24/7 people call to the company and make their requests, it is obvious that the interest rate offered in immensely high but if you need money you do not care at the moment. Nevertheless, most customers are satisfied with the conditions. They say that the only obligation is to pay the debt off in time. As for the customer service, so it is perfect in most cases, the operators of the call centres are patient, polite, and understanding no matter at what time of the day you call and ask for money. It is good that still such organizations as Cash Call exist. Since the economic situation is not favourable for everybody. Besides, life is so unpredictable and you never know what happens the next minute and what you may need money for.
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10.19.07
Posted in Uncategorized, credit cards, Appliances
at 11:14 pm
It has become a routine that we as consumers come across huge numbers of faulty goods. And the thing is not about the money we have spent on them (though it is very important, too) and not even about the time we have lost buying those goods. It is about the attitude of the companies and stores that provide such products of poor quality. It seems like they do not have any policy concerning the settling of the complaints, concerning the refunds and exchanges. And any employee or manager act like they want, undertake some false decisions or tell you that they have no authority to make them, which is even worse. And they frazzle our nerves and health. This is just the same in this case with purchase of GE refrigerator.
Poorly built refrigerator. This is about the refrigerator GE sells to their unsuspecting customers. How it often happens, people have bought a GE refrigerator but in four months it just stopped cooling. So, the repair tech was needed. But in some weeks the situation came up again. And this is not just an annoying thing, but also the food is spoiling and the family can abruptly be out of food. Then it was found out by the next tech that the refrigerator had a leak and it some parts had to be changed.
Be careful: Freon. If the refrigerator stops cooling it means that there is so problem with the refrigerant. And this thing is very dangerous for your health. That is why the broken part with freon has to be removed. Besides, when there is a leak of refrigerant it is very harmful and it destroys our protective ozone layer.
GE attitude. But the essence of that situation is not the faulty GE refrigerator , this is the company itself. How in many other cases, they just did not want to solve the problem and did not care what their refrigerator has caused. Their client service is horrible and everything they can give is a number of run-arounds. So, keep away from them!
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10.14.07
Posted in Uncategorized, AUTO, money, credit cards
at 3:27 pm
You have to be very careful while choosing an auto-financing company for your auto loan. That is not so hard to make a small research to find out which company is reputable and which is not. But it is absolutely another thing when it comes to non-prime auto-financing. That means that you do not have a varied option of companies that would be able to issue a loan for a person with some financial hardships or ruined credit record. But at least, after the research you would be aware what to expect and would be ready to react, because there could appear a number of troubles. Let us see it by the example of Drive Financial auto-loan.
Problems with making payments. Usually people who involve themselves in auto-financing with Drive Financial are out of money or really short on it. But that does not mean that they want to meet some more troubles. But in case with Drive Financial it seems to be impossible to avoid them. Everything starts with them missing your payments or delaying them. In this way they mess up all your finances. You could have never been late on payments before and you could have rather good credit but they would state that your payments are overdue and charge your account late fees. And finally, they just charge your account off.
Debt collection tactics. After having stated that you are late, Drive Financial starts taking actions how to pull the money out of you. Usually they do not come to know the particulars of the situation, they do not take into account how to act or that it was probably their own mistake. They start on calling your home up to 5-6 times a day, and not only your home. Drive Financial rejects to make any arrangements with their “defaulter” customer. In such a way they keep on threatening you that they will repossess your car until one bright day (or even night) they just send people to pick it up.
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07.10.07
Posted in Uncategorized, money, credit cards
at 10:14 am
There are several Credit Card Companies who offer very lucrative packages but most of them are useless due to certain exceptions and expending limits. These limits make those cards useless and you are being charged with high Annual fees. I think those are best who offer less but pay at least.
You can earn unlimited cash rewards with Discover® Motiva Card. You can earn a Pay-On-Time BonusSM equal to the Periodic Finance Charges shown on your next statement after six consecutive on time payments. Here is a list of all benefits which you will get after approval.
• Pay-On-Time BonusSM
• 5% to 20% Cashback Bonus
• Up to 1% Cashback Bonus
• Unlimited cash rewards
As you can see there is nothing hidden. You would be paid in cash with all available offers. No one will like to bear extra charges of late payments so you can earn a lot of cash by paying your Credit Card on time. You will get 1% cash back on total purchasing of your card which you would have made in whole year. With this 1% cash back you can enjoy 5% to 20% Cash bonus through their exclusive online shopping site where different retailers have different offers. Unlimited cash reward will continue forever with usage of card so there is nothing to lose with this credit card.
Annual percentage rates for purchases is 3.9% until the last day of the billing period ending during May 2008*; then the standard APR, a rate between 10.99% and 17.99% is applied which is being disclosed with postage of card. Balance transfer charges are 3.9% until the last day of the billing period ending during July 2010; then the standard APR for purchases Default Rate: Up to 28.99% and Cash Advances: 20.99% are applied.
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