I received my bill this month and Household WITHOUT any notice had lowered my 2 accounts credit limits. One was lowered from $8000.00 to a mere $900.00 the other from again $8000.00 to $1800.00 after being a customer of their's for 9 years and with excellent credit. My accounts could have gone over their new credit limits without me even knowing about it. I called the CSR who not only could not speak the English Language let alone understand it, tried to tell me that a notice was sent out last week, yet I received no notice what so ever on any of my accounts. Household is a sub-standard bank with sub-standard practices that have gotten the US in the trouble in which it is in today. Household should concentrate their energy on getting their monies from those that owe it and leave those customers alone with whom pay their bills. I WILL NOT do business with such a bank and with their standards and have simply paid off my accounts. Does anyone know if this is practice is legal? If not does anyone wish to jump on the band wagon with myself and sock it back to this sub-standard bank?

I receive and e-mail stating that I had made a large purchase with my credit card. I then contact my credit card and they said I need to call the place I had the purchase with. I can't understand why they didn't help me resolve this.

I applied for a credit card online and I put my balance transfer info on the application I wanted to transfer 8, 500.00 from my discover card., well I was only given a credit limit of 1, 000.00, so there was no way of transferring that balance but instead of calling me first household bank went ahead and transfered 850.00 without my consent first, and i am not even the card holder on the discover card so they didn't even check that first. When I called them to tell them they made a mistake they told me there was nothing they can do about it!

I received a promotion in the mail for a preapproved credit card. It was associated with Best Buy so I figured it was legit. I reviewed the Terms and Conditions and it was a standard card with no annual fee and decent rates. I opted for the 'Account Shield' protection program cause it seemed reasonable. I then used the card a few times and set up online payment through their web site. Here's where they got me. I charged the card up to within $10 of the limit. I set up a payment and it came out of my bank without any issues. what then happened is they held the payment for about 5 days without crediting my account. This put a pending charge on my account for the amount of the payment. Now, we all know that payment is sitting in a big account somewhere earning .003% daily. So, it makes sense for them to hold it as long as possible. They stated that the system will do it automatically. While waiting for the payment to 'clear' I was out of the $$ in my bank account and couldn't use the card. Then the statement was released and there was an over limit charge of $35. I checked online and it showed that the 'account shield' actually put the balance over the limit. Had the payment 'cleared' I would've been $100 below the limit and had no problems... It's a shady way of doing business.

The card is OK as long as you just use it for purchases at retail stores. No gas, No cash, and DO NOT use their on-line bill pay. The best way to pay them is through your own bank because it's usually sent electronically so if they try to charge you late fees you can dispute it through your bank.