I have recently been trying to pay off this account with sst for the last 3 months
I was late with a payment back about 3 month ago because I didn't have a job.
I got a job then I immediately started making more then a payment to sst
to begin getting this paid off.I got caight up on the missed payment.
I paid then late fee and over the limit fee that were charge because this was my fault.
2 months into paying on this I notice my acct was going down but very little.I took
a good look and they are charging me $39 a month interest on a 1500 balance.
My payment sst $50 per month, so only $11 is going to the actual
balance tp pay this off.I have called sst in the past about overlimit fee
or late fee, try to get the charges reverse.They told me that there was
nothing they could do.They couldn't reverse the charges.Other credit
cards company will do this as a courtesy, but sst doesn't have this policy
They have rude customers service.They used to do this.
I have paid on this account religiously every month.
Once you have a problem, they stick it to you with this default
interest rate

I was a member of Washington Mutual a couple of years ago. I faithfully made payments every month and was able to monitor my account online and there was also links to free credit monitoring on the website. I had tried to payoff my account one month for about 150.00 and they payment went through. About a week later I received a notice that my payment was late. But I knew that I had made the payment throught the automated payment on the website. I called the 800 number on the back of my card, I was given a new 800 number to call. The call was tranferred to SST. When the customer service person replied by "Thankyou for calling SST" I said Oh! I hav emy account with Washington Mutual. They then told me that WAMU sold my account to them. They told me that for some reason the payment didn't go through. I check my bank account and it had not cleared my account yet, so I proceeded to pay the amount over the phone. Now mind you my limit was only 350.00. About 2 days later, I saw that there were two payments for the 150.00. I called my bank and they said that one payment was automated and the other was a direct debit, which means that it was paid on the website. I called SST and they said that they would not refund me one of my payments, and they applied both payments. Then I began to get ovet the limit fees of 39.00 and late payment fees of 39.00 because I never received any bills from SST. I could not access their website to access my account. My original limit was 350.00 and now because of all the fees atc. my balance is over 600.00. Because of thir 29% interest rate I have barely been able to pay this down. Does anyone have any suggestions on what I can do. I am currently having this payment paid through a credit counsiling agency. Once again, I too was never notified of the "buy out" nor did I ever receive terms and agreements of SST.

AFTER PAYING OFF MY LOAN I WAS CHARGED AN OVER LIMIT FEE. I HAD ONLY GONE OVER THE LIMIT A SMALL AMOUNT. I FORGOT TO INCLUDE THE 29% INTEREST THESE SHARKS CHARGE. SO WHEN I CALLED TO GET MY BALANCE AND ACTUALLY SPENT LESS THAN THAT THEY THEN CHARGED INTEREST FEES AND OVER THE LIMIT IT WENT. I AM ON MY WAY TO PAY THIS STUPID CARD OFF AND WILL NEVER AGAIN DARKEN THE SST HALLWAYS OF CREDITY. PROVIDIAN WAS A GREAT COMPANY EZ TO WORK WITH - THE OWNER OF THIS COMPANY HAS WRITTEN SEVERAL BOOKS ON CUSTOMER SERVICE. I MIGHT ADD THAT SIR YOU DO NOT LIVE UP TO WHAT YOU WRITE.

How is SST allowed to do all of this to us? My account was sold over a year ago from WAMU to SST and from the looks of it, we've all had the same exact experience with their billing practices. This card is impossible to pay off! I am willing to join a class action suit against them if anyone knows of one or wants to start one. I cannot stand how they are getting away with financially disabling thousands of citizens everyday. Especially in today's economy.

I'm another Providian customer sold to SST. I noticed on several occasions over the past year they did not send a monthly statement and then had the audacity the following month to charge their astronomical late fee not to mention a doubled minimum payment due. I've taken the bull by the horns and taken out a loan to now be credit card debt free! I hope everyone does the same, we can put them out of business.