Due to a death in my family, I was two days late in paying my USAirways Mastercard bill in November 2009. As a result, interest rate was increased to a whopping 26.24%

Since then, I have religiously paid on time and despite multiple requests, I have been denied an account review to receive a lower rate. I have called repeatedly and have been transferred to the Phillipines and India multiple times only to be told that I didn't qualify for an interest rate decrease. The litany usually goes with the initial operator telling me that I did qualify, followed by the relationship manager stating that there were currently no available offers for me.

Today, after speaking with Dan without a last name, but an identification code of OSCDUN at their Delaware processing center, I was again told that he was the highest manager I could reach without speaking to the president. Dan (who stated he didn't have a last name) refused to give me a phone number, his last name, or his manager's name upon request. I was told I could call back as many times as I wanted, but he was unable to tell me when a lower interest rate would be available. Plus, the only number he'd give me was the same insane number found on the back of my credit card.

Subject: US Airways Master Card Complaint, Excessive Interest Charges
RE: Master Card Act # (confidential)


Dear FDIC;

I have a US Airways Mastercard which I pay off in full every month. Last month they received my payment 2 days late. It was due October 11th, they received payment on the 13th. They hit me with a $39 late fee and $45.91 of interest. I called to complain and they removed the $39 late fee but will not remove the $45.91 in interest expense. This is apalling. I pay my balances off in full every month because only an idiot would allow someone to bankrupt them with a 25.24% rate on balances.

This rate of 25% is actually a lot worse than they even state it is. $45.91 on a balance of $974.54 for 2 days is actually a rate of 847% when you do the math of this massive charge on the balance for just 2 days and then annualize it.

Is there something you can do to make them give my money back and is there a way for you to stop these practices? Please help me.

Thank you;

Michael McCarthy

I don't have much to say other than that the people working at US Airways Mastercard are among the rudest and most unprofessional I've encountered in dealing with credit cards. They treated me like I was a child and after the phone call I wrote and mailed a letter. They responded with 2 sentences which was pretty much a slap in the face.

I cannot wait to pay this card off so I can close the account and be done with them forever. Be careful if you're considering signing up with them. They get you with the bonus miles and then you're left out to dry when it comes to customer service.

These companies can get away with anything and there's nothing we can do about it.

Buyer Beware as the saying goes. The US Air Credit Card offer is a very bad joke on anyone who thinks they are going to get a free round trip ticket. At best you may get one of your dates during an entire month. No guarantee if it is coming or going: Not gonna happen. You are placed in a choice of using a 50, 000 mile or more award if you want to fly. Their Award people at the reservation centre, although sympathetic, can offer no help. Sorry is the most frequent offer.

Soooo-if you fall for the false misleading ad that you are going to get a free round trip ticket for the 25, 000 miles when you sign up for their Credit Card; Well, you are in for a big surprise.