I signed up for automatic payments in the early months of 2009. I thought I was being responsible because I would not have to worry about late fees if I did not have time to send a check on time. After I started the automatic payment, I stopped receiving paper statements. I really should have looked further into this but I tend to look the other way and pray everything will work out. I am a busy college student with papers to write.

I moved in early April, and did not notify the company of my address change, since I was not receiving statements anyway. I know this was a bad idea, but again, busy college student. On June 16, 2009 (my bday, no less), I was told that I was over $400 over my credit limit of $7, 000 and needed to make payments immediately. I asked how this was possible because I believed I still had somewhere around $3, 000 dollars left of credit on this card. Apparently, the moron who set up the automatic payments, set them up for AFTER the due date. I was incurring late fees and had no clue because I wasn't receiving statements. When I told them I stopped receiving statements, they denied it and told me to check with my post office. My mother works at the post office, and it is possible for things to get lost once in a while, but not multiple times. They instead blamed me not notifying them of my move for not receiving the statements, although I moved several months after I stopped receiving the statements. However, it is impossible to prove something that I do not have.

They refunded me the late fees that I incurred, but insist that I went over the credit limit because of the purchases that I made. However, I made these purchases when I was unaware of how much the late fees and the increased percentage rates had increased my overall amount owed. Furthermore, they took $459 from my checking account without my ok, when I had less than $300 in the account. The amount of overdraft charges was ridiculous. I demanded to cancel all automatic payments from here on out, which they did except for the very next one which they insist is necessary to bring my account back into good standing. This all frustrates me to death because it would not have been in bad standing had they not caused me unnecessary late fees in the first place. Ridiculous.

I never in my life thought I would regret using this credit card company. I've been with the company for 8 years and my balance is not paid off yet. I always have auto debit taken out. Not just for the min payment but a little extra added to auto draft. Out of the 8 years I've never been late. The last time I used the card was in 2005. Before then the card was last used in 2002. I called the credit card company yesterday to ask why auto debit is not set up anymore. I was advised it stops after two years. I was advised if I wanted to reset up auto debit payment I will have to pay at least 290 dollars a month. I was advised the reason for the change was a federal law. I asked did they sent something in the mail regarding the change they told me yes. I told them since they sent it once to resent it again. The rep was speechless, reason for speechless because he lied. Then he tells me another reason for increase of monthly payments is to avoid late fees and other fees assetment. I asked when was the last I used the card. He was speechless again because the last time I used it was in 2005. I told rep he is just feeding me Crap because he do not know what to say. I asked about getting a decrease in my apr. Was advised the lowest apr they have to offer. I asked if I wanted to make a payment over the phone or online, he told me a fee can be $12 or 12.50. I cannot believe this credit card company. Every day I regret this card. Its like a nightmare. I cannot wait until I do a balance transfer to zero out this account. Then all my worries will be gone. I cannot wait. Please do not sign up with this company. Fyi I will be sending a letter to Corporate office. I really don't think they will do anything about it. I really don't think the company cares about their customers at all. BEWARE!!! DO NOT SIGN FOR A CREDIT CARD COMPANY. TRUST ME I KNOW FROM EXPERIENCE. A VERY ANGRY CUSTOMER I AM.