Was offered 35, 000 USairways Frequent Flier Miles to open USAirways Mastercard. Read offer sheet thoroughly and found no mention of annual fee. Also 0% for 6 months on balance transfers. Needed the miles for pending USAirways travel. Currently have an American Airlines Mastercard. They have been a pleasure to use with clearly noted policies.
Checked online and found 3% charge on balance transfers. Reviewed literature sent with the card and no mention of the balance transfer is noted. It was noted on the back of a later mailing (Welcome to Your New US Airways MC), in small print, that a there was a 0% introductory APR on Balance Transfers for the first 6 billing cycles. In that paragraph, it is noted that a Balance Transfer fee applies to all balance transfers. No mention is made of the amount of the fee.
I was able to find the 3% charge in small print in the Cardmember Agreement.
All of this literature was received 2 weeks after I received the card and had already made the balance transfers.
I called and complained as well as emailed Barclay's (the Bank handling the card) immediately and their response was, "too bad". The email is noted below.
Thank you for contacting us regarding your US Airways MasterCard account.
We apologize for the inconvenience that these fees may have caused you. However, we can certainly assist you with your concern. Please note that all transfers are subject to a 3% transaction fee. The minimum charge is $5, not to exceed $100. Information about this fee was presented in the original offer you received, and is also included in your Cardmember Agreement.
In addition, please be informed that the $79.00 charge on the account for an annual fee keeps and maintains the account rewards program and its benefits. Information about this fee was presented in the original offer you received and also included in your Terms and Condition.
We have received your request to remove the Annual Fee in the amount of $79.00 which posted to your credit card account on March 31, 2009 and Balance Transfer Fees in the total amount of $132.85. Upon review of your account, we have determined that these fees were correctly imposed and will not be waived.
Although we would hate to lose your business, an e-mail request is sufficient to close your account. You may also close by phone at 866-419-0881, or by mail at the following address:
PO Box 8801
Wilmington DE 19899-8801