I've had an Applied Bank Card for many years, paid on it every month @ more than the amount due, I noticed my debt wasn't going down after several payments of over $ $100/mo. I called customer service and was told my debt was correct even though my payments were large I told them to re-evaluate my acct. No said they it is what it is. I asked for a payment arrangement because my rent had gone up by $125/mo and I was only on SSDI for an income, they said pay amount due, period. I asked for a hardship payment plan, and they told me they had no such thing. Pay or else and they closed my account and every month increased the amount owed with interest & late fees. This ended up to be over $1325 more than I owed, to a total of approx. $2550. They turned me over to NCR collections then after months the RMS collections calling me day and night on my home phone and cell. I talked to RMS and told them I could pay some but I didn't owe what was claimed. Applied refused to settle and said Legal Action would follow. They have ruined my Good credit rating to Very Bad, posting negative comments every month. Now with my rating I can't afford to move because I'm a Credit Risk. Applied has ruined me, after I had been a good customer for years.