First Financial Bank is the biggest credit card scam out there. I have been hassling with them for over four years now. I find it despicable that they target young, barely graduated students who need money and have no idea how to manage credit. I got my card right before I went to college in 2007 and when the economy crashed in 2008 and both me and my husband got laid off we had to use the card to survive. I paid on it every month, but the interest grew completely out of control and I couldn't keep up with the payments. Finally, the card went into collections/closed out and my balance was around $1, 300. After I told them to close my account, they sent me a statement saying I owed over $2000 because they still kept adding interest and late fees (and whatever other shady fees they put on there). I refused to pay that much and said I would be happy to settle on the $1, 300 and pay when I save the money. Now I have at least three different collection agencies trying to collect. I don't know who to believe and I'm afraid they are just trying to jack my information and identity. They continually harass me (calling me from 4 different numbers over 10 times a day plus sending me tons of statements) over a piddly $1, 300!
I'm really at a loss at what to do as I'm not going to pay a company I don't trust. I don't know how this is even legal or that they should be paid back! I'm not saying I didn't spend that money, but its also their fault for jerking their clients around, targeting young and inexperienced spenders and dealing in the most deplorable, sickening business practices. I will contest this mark on my credit reports and everyone else should do the same! I will also contact the BBB and report them as con artists and identity thieves. They need to go out of business so they can stop CRIPPLING our young professionals.