This "company" needs to be stopped - they harass you and charge fees that should/are illegal. Why won't anyone do anything abou this? I have contaced Attorney General's office and Better Business Bureau but who knows where that will go? Do something!

Joining in the long line of customers that Applied Bank has ripped off...I called their so-called customer service to dispute the late, over the limit and cash advance fees on my statement that ballooned my monthly dues to $203.00.
Because I made a minimum payment before my statement was processed I was charged a late fee as explained by their customer service rep. I asked them to apply the payment to the current billing statement and he said he would submit a request to do so. I still have not seen the late fee reversed.
I was charged a cash advance fee for accepting a limit increase. Mind you I already paid the ridiculous fee of $100 to get an increase and they have the nerve to nickle and dime me with a cash advance fee!
Adding to my heft bill was an over the limit fee that came as a result of being charged an annual fee, which also is subject to a cash advance fee.

It is a typical case of the hard working man being f**ked over by greedy, predatory banks like Applied Card. I vomit when I see banks asking the government for money while they rape you monetarily and turn a deaf and unsympathetic ear to very customers that keep their sorry asses rich and fat.

I recently contacted you in regards to account number 4227093019204597 on or around March 20th 2008 in regards to the current status of my account. I reached a representative to whome I explained my current situation.
Credit Limit Available Credit Days in
Billing Cycle Billing Cycle
Closing Date Payment Due Date Amount Past Due Minimum Payment
$1200.00 $- 263.00 29 03/2/2008 03/27/2008 $210.00 $347.00

I spoke to the representative about the current status of my account being past due in the amount of 210.00 and a minimum payment due of 347.00. The representative that I spoke with on that day enrolled me into a program that Applied Card bank had known as a hardship program. Under the agreement that the representative enrolled me under the situation was stated that starting April 16th the amount of 100.00 dollars would be withdrawn from my account. Subsequently on the may 16th, and on June 16th consecutively that a payment would be withdrawn from this account.. According to your website you have received 2 of the three payments as shown below.
Payment Post Date Amount Method
05/16/08 $100.00 MULTI CUST SVC PYMT
04/16/08 $100.00 MULTI CUST SVC PYMT

As these payments were being processed to get my account up to date according to the representative advised me that only one charge of 12.95 for the first payment would be charged along with a suspension of any over draft or late fees for the months of march April may, and June that would normally be assessed would not be charged to the account and at the end of the three month period my account would be satisfied as up to date.
I kept receiving letters, phone calls and emails about my account not being up to date so around may first I check with my online account access and found that after my payment was received I was charged a over the limit amount of 35$ and a late fee of 35$ on 3/2/2008 and on may 2nd 2008 after payment was made and after a verbal agreement was reached with your representative a month prior. Wondering if there was a mistake in my account I called into your customer service line at 561-982-9111 I explained to the representative the situation as explained above and they advised me that after the program was completed that all the charges would be refunded. This was not acceptable because so I requested they be removed so that I have an accurate reflection on my account because along with the payment and the fees which would still accrue interest at the 29.00% interest rate and the representative is not able to answer so he transferred me to a manager the manager advised me there was nothing he could do and he would submit the issue to the correspondence department for review and someone would get back to me with in 24-48 hours
After this time I had not received any communication regarding my inquiry and so I contacted Apllied card bank back at the same corresponding number. I spoke with another representative who again could not provide me any additional information so transferred me to another supervisor who placed me on hold while she communicated with another line manager about the current issue with my account. The supervisor advised me that since my account was not enough payments passed due that the original representative that set me up on the hardship account had no write to do that because the program was still in a testing phase.. but that since the original agreement was made that she would talk with her direct supervisor or director and that they would get the account balance were it was suppose to be. She provide name and extension of herself and direct supervisor which I can supply upon request.. After a couple of days with again no communication I called back and was giving the same information that it was a mistake on there end and they would rectify the situation. And that there is nothing they can do at the moment about the current fees. I called back several more times being transferred to a number of departments where no one could provide me a resolution to the issue above. If upon request would like documentation on the phone calls made I can supply a phone bill because of the long distance number being called and the exact amount of time on the phone trying to come to a resolution.
I called again one more time today May 22, 2008 and spoke with a supervisor who said that they would not honor the original verbal agreement made because the representative that made the arrangements was not authorized to make them. So I again advised them of the situation and advised that I have been completely accountable for my part making my payments when requested and asked again for the 4 356$ fees to be removed and have my account reflect a current amount of 1347 dollars as originally agreed. And that I should not be punished or made to pay more because applied card bank could not keep the verbal agreement that it originally made instead the supervisor said she could enroll me in another hardship program where I would pay an additional 6 months of 90 dollar payments an that I would again not be charged late or over the limit fees and that my interest rate would also be reduced to 22% this is unacceptable

Stay away from this Bank card... They charge you $100.00 for an increase in your credit account... My wife also has an account with them... She sent a payment in on the 3rd. of Dec... which she has done for more than a year... The payment wasn't due until the 11th... They charge 39.00 for a late fee and 39.00 for an overdraft fee... Well in holding the payment until the 13th they put her into that overpayment and late payment bracket... We thought if we accepted the creditline increase we would be alright... NOT... They charged us another $100.00 for that...

We keep sending in the regular payment of $37.00... But now they say that she is past due $116.00 and the min. payment due is $209.00... At this point she isn't over drawn... She has $128.00 unused credit... But they closed her account and said if she paid the $206.00 they would take the negative credit report off of her credit report... This is like holding her credit hostage...

This Bank is a total SCAMMM... There is nothing that they can say that can explain what has happened... Except that they RIPPED us OFF... for the $100.00 increase... And for HOLDING the Payment until it was past due... They Know What Their Doing When It Comes to Overdraft & late fees... I also have an account with them... WE ARE BOTH Paying Them Off In Full Next Month... And Closing My Account... Hers is already closed... PLEASE DO NOT DO ANY BUSINESS WITH THIS BANK>>>APPLIED BANK CARD...

"Predatory Lending and Rudeness" now have a new name: APPLIED CARD BANK. Beware of this so called "Bank". This company will charge you fees on top of fees, thus forcing you to go over your credit limit.

There is a monthly $10.95 for account maintenance, $6.95 for online payment, $32.00 for overlimit, $29.00 to $32.00 for late payment. To add insult to injury these fees will generate the same fees over and over again, like a domino effect. The funny thing is that Citibank, Bank of America and Chase Bank were all in front of Congress not too long ago for the very same thing, stiffing customers with fees. The presidents for these banks all looked like harmless creatures while they were all being grilled by Congressmen for their illegal credit practices. APPLIED CARD BANK does not seemed worried about their unfair and illegal banking practices, in fact their personnel is trained to be rude and challenging with customers. APPLIED CARD BANK hide in the shadows of bigger banks, there in the dark they mastermind how they will screw Americans because they know that the US government will go after the big banks, not the little ones like them. Ah, did I mentioned that even if you cancel your card the above fees will continue.These practices must stop, and unless Congress once and for all do something to stop these crooks we will be doomed. I am taking my case up to a higher level... please beware, do not go with this institution, you will regret it. Take this advice from a former customer of "PREDATORY LENDING AND RUDENESS".