Originally Posted by
nessa_27
Dincher -
Not to throw anyone under the bus or anything but the reason you have a default interest rate (which AGAIN is NOT standard) is because either you pay late OR you continuosly go over your limit. That is NOT Amex's fault. It also is a standard to lower it back down the first time it happens after we educate you.....meaning whatever offense you commited was continued for your interest rate to remain at 27.99%....
Ever heard of responsible borrowing? You should try it sometime.
It's really quite irritating that when I try to be nice and offer insider information about the CARE program so you CAN reasonably make payments and get out from under your debt you act like an idiot. I'm sure NO ONE at Amex MADE you use our card.....so try taking a little responsibility.
Regardless, I'm a consumer too. Everyday I do what I can to help people make smart educated decisions about their debt. Your rudeness is really not appreciated and out of line. I'm a single mother and I work my @$$ off to make sure my responsibilities are taken care of. Perhaps you should get another job to help you manage yours.
Thanks for providing this valuable info. Some people do appreciate it.
My wife has had perfect credit her entire life and has been using an AMEX to help her purchase inventory for an online retail shop she owns. Several months ago, she was hit with an unexpected invoice. She called AMEX immediately and explained that it was unexpected and asked if she could pay over time. They put her into the CARE program and she's been making automatic payments for several months.
Today, she received a letter from another creditor stating they were lowering her credit limit due to a collection status on her credit report. Low and behold, there it was... American Express collection. She called AMEX and explained that she would've never accepted the offer if she knew it would negatively affect her credit report. They told her there was nothing they could do about it.
Is this a common complaint? They said they read her a disclosure with this information. As I've said, she's never had so much as a late payment and now this is affecting her scores enough to hurt other creditor relations.
What do you suggest? Is it possible to get this off her report?
Thanks!
KC