They SUCK, , Don't apply, Rates went up from 7.99 to 37.18.

After becoming an Advanta customer through balance transfer. They raised my rates for no reason, They jumped from 13.8% to 36.31 % in less than 6 months of being with them, I called and complained and all they said was your account was in good standing but your balance is a risk . I said that is crap, i have never been late on any payments and they said well we sent you a notice stating you can opt out. I never got that notice and closed the account which is allowing me to pay the balance off at a rate of 18.74 %& 24.74% this is a scam, EVERYONE BEWARE OF ADVANTA

I have signed up for Advanta Small Business credit card online where they had an offer for 0% apr for 15 month. They stated no transaction fees. I transferred maximum I was given and awaited my first bill.

To my surprise, the first bill came 2 month late along with late fee, over limit fee, and transaction fee. I have called in and they stated since I already transferred maximum that I was charged for over limit. After talking to them, they agreed to give me $50 credit, which I was happy with because it was more than I expected.

After paying double the minimum, I though the headache was over. On my next bill I have found a .15 finance charge for the transaction fee they charged since it was not part of the balance transfer (since they apply your payment to lower rates balances first, there is no way to stop this until full amount is paid off), but since minimum finance charge is $1, they slapped in another dollar to my bill.

I must say this is a total rip off, I have paid the whole bill to get rid of the headaches with dealing with such a nasty company, if I didn't pay it off, they would add finance charge over and over and I can imagine by 15 month at end of offer I would have over $100 in extra fees. Do not get fooled by this company's scam, and other like it they make. Avoid Advanta no matter how tempting their offers are, they always have a catch they will never tell you about until they make you pay extra buck.

I am a member with Advata credit Master Card. These people are charging me an astronomical interest rate of 37.899 percent interest rate. I have never in my life had an interest rate this high. My husband is in the construction business and as you know we are right in the eye of this financial storm that may cause this country to fail. We may lose our home. I had to sell the little jewelry I had a while back just to pay this bill. These credit card pimps, Wall Street and the greedy CEO’s are hurting this country financially worse than the terrorist attacked on 911. They are the reason why the economy is all jacked up!

Think about it. Here we are working hard trying to make a decent living, and people are loosing their jobs, and we have all these greedy people ripping off the customers sitting at a table brainstorming ways to get more money for themselves, and on top of this they know this country is at the brink of a financial melt down and they continue to raise interest rate because they feel like it so they can line their pockets for more money. As far as I’m concerned, they are worse than the terrorist because they to are casing people to panic, steal, and even kill themselves and others. The question I like to know is, how can they sleep at night, How?

The only people who are enjoying what is happening now to this country are the people who are making outrageous profits and the terrorist. But you know what? For every action, there will be a reaction. This Country is in serious trouble because of greed and self-indulgence and when or if it gets worse, it will be like the rise and fall of the Roman Empire and each and every one of us will have to pay the ultimate price, and when I say price I’m not talking about money.

It make me downright sick!!

I'm a small business owner. I opened my statement today, 12/22/08 and saw that my finance charge jumped from 9.99 % to 27.18%. I called twice and received the same memorized answer. You have never been late, credit good but based on the likleyhood of default, after a review this is the best offer they have. They will not lower the rate even when I said that I would look for another company. I asked if there was some one I could talk to about this and was told "you are". I was then told to have a Merry Christmas - yeah!

I will do all that I can to discourage anyone from getting an Advanta. After checking them on online, they appear to be the worst at scamming people and taking advantage of the poor economy. My husband feels that they're taking advantage of good customers to make up the difference of bad ones.

Don't use Advanta as they take Advantage of their customers!