1st Financial Bank Usa review: Abusive, uncaring, rude 29

My 13 year old, thirteen year old 7th grader just got a preapproved visa application in the mail! wtf?!

1FBUSA are greedy vultures. Just hours after midnight the date a payment was due I began getting barraged by a fleet of numbers with area codes varying across the country. I'd answer to the sound of an automated robot scalding me. The calls were incessant and unrelenting-- every time I'd pick up, every time it'd be a non-sentient being reprimanding me. If I didn't answer, the machine would leave a message. Tried to call the customer service numbers, and only got more automated systems that just pointed me directly to the automated payment system-- providing literally no way to speak to a HUMAN BEING to tell them that I'd be a few days late on the payment. I liken missing a payment date at 1FBUSA to being hounded by an army of cold, heartless robots whose programming went haywire. As soon as I make this payment and get these vultures off my back I will NEVER EVER use this credit card company again.

I 100% agree with all of these complaints. I have had this credit card for 10 years and I am stuck with it for what feels like forever b/c of the lovely ~29% interest rate! I really wish there was a way of getting help with telling them to F*** off without using a debit company b/c that would kill my credit. I can afford my payments! I even pay more than the minimum payments but the interest rates are so high it makes very little difference!

1fbusa is a HORRID company. I lost my job, do not receive unemployment, and told them this. They DONT CARE. I said listen... my minimum payment was 35... not its 195. I STOLL DONT HAVE A JOB AND CANNOT PAY THAT. Even when I do get a job I can't pay that. Still didn't care. Told me to conference my parents in on three way so he can get them to pay. I said no, because I can tell you right now that they will not pay. He then said well then you're refusing to pay. I said... IM NOT REFUSING TO PAY I JUST CANT PAY THAT AMOUNT RIGHT NOW. I CAN PAY WHAT I CAN. Oh well how have you been paying your other bills? I respond I HAVENT BEEN! I HAVE NO JOB. I HAVE NO INCOME. I AM TRYING. Still didn't care... then I called him a piece of [censored] heartless a**hole and good luck getting anything from me after this coversation. I may not be able to make all of my minimum payments... but I pay SOMETHING. And now I'm declaring bankruptcy. And when I even mentioned that to them they said NO... that's fraudulent. They just want to back you into a corner to scare you into paying them. They can send it to collections and try to take you to court, and if you're like me with no job STILL, the most a court can garnish from your wages in NJ anyway, is $0 if you make between 200-150 a week which is poverty level, then $10. So suck it 1fbusa. I'm going broke and you're the last company I would ever want to pay back. Its horrible how they don't have any kind of hardship program.

Totally, i quit my job (worst thing ever did but it was a total slavery) and so i went for 3 months making payments from what i had saved, asked them to postpone the last payment so i called see my options. i talk to a guy, and guy is friendly and all and tells me that it was no problem... huh, little i knew it was gonna turn out worst than a nightmare, last week i check my bank account and i notice a check i had not authorized, i call bank and they couldnt tell me till next day, wait... and next day i call bank, "1FBUSA" was the name on check, i call them to receive an explanation and i get a "ok sir, i will talk to manager and listen to the tapes, well call you back". I searched back the next day my bank account and everything went back to normal, no check, normal balance, and everything. I call today arrange a payment process but i get to find out that they had sent that check again, even though i complained and told them i did not authorize that payment. i get transfered from here to another person who could "help me" girl didnt understand a ###... so i get transfered to girl who supposedly talked to me before, and she tells me that by giving them my bank account information i agree to payment, i have absolutely no memory of ever giving them my account information, and even if i did, i must have had complained about those automatic payments and denied to them cause i already had another card doing so. to make matters even nicer, the tapes were not recording the call so they only have "notes". i have had been a regular at this bank for 5 years, everytime paying more than minimum, they cant ###ing understand a word even if explained in baby style, and still do what they want!

BEWARE OF THIS SCAM, DO NOT FALL A VICTIM LIKE ME!

Like many said before - this company's angle is to prey on college kids who will bite on the huge balance they initially offer, then they raise your interest rate up to nearly 30% at a drop of a hat. Eventually, you are paying a huge amount each month in interest and barely denting your balance. Ive had the card for nearly 10 years. In the first years I owned the card they bumped my available credit on that card from 2k up to nearly 9k without me requesting. My interest rate was low and payments were manageable. Eventually, I made the mistake of putting a large expense on it. This was my first mistake. I was late on a payment and they immediately raised my interest to 30%. That was my second mistake.

I've made some emergency purchases with the card over the last 3 years for about $500 in total. So I rarely use the card and I've been making payments at the minimum or up to $50 above the minimum during those 3 years, these payments have been anywhere from $275-350 a month. I've calculated my total payments to be about $11, 500 the last three years. As of today my balance is still at $8, 000. I don't use the card and the interest rates are so high I can barely reduce the balance. This card is killing me. The company will not work with you and will compel you to practically beg, borrow, or steal to make your payment to them. They asked me to take student loans out, borrow from friends or family to make a payment I was behind on. They will also call you 4-8 times a day on average if you are late. I would highly reccommend that you do not deal with this company. Also, their online payment technology is absurd. Rude people, pushy organization, bad technology, avoid at ALL COSTS>

I was late and emailed them the reasons why. I told them i would make a payment about a week late as it was when i would get my check. They called my house and cell like 10x a day. Then i called them up and the online payment prevents from making payments within 10 days of previous payments, once again i was late. So i signed up for Auto MINIMUM Payments, as i plan to pay it off with a settlement payout, my minimum was 69 that month, i charged my account for gas since i had no money, so my minimum went to 70 dollars, but they took out $69 ONLY! i was pissed and the guy said my account is delinquent for $1. i told him what was the point of autopayments? he said i signed up for 69 per month. i know i said to charge my account EACH MONTH for the minimum due.
i guess its my fault they didnt charge the one dollar more? BS! don't do business with them. I always end up having a huge debate with them when they call. and yes their APR is over the roof. My american Express is barely at 10.3% while they charge me 29.99% they say its my credit score, but honestly my credit is only single digits away from 700.

I agree.I am late and the next day they are calling nonstop . I understand it is my fault I'm paying late but they could go about things in a different manner. I was late on a payment and hadn't had the money to pay for it yet when I recieved a letter saying my credit card account was going to be closed because as they claim " the account went into review while your account was past due, and we do not renew cards when the account is reviewed and the account is past due" I think it is rediculous. I payed my past due plus. And stated I was going to make the full payment of my $750 balance the next month because I did not want to lose the account due to the fact that it was my oldest credit card account. They did not care. I have had the card for more than 5 years. They do not care about the customers or their reputation. Do ot for what ever reason get a credit card with this bank. I have a CapitalOne credit card as well and I have never had any problems with them. I HATE this bank...

I have called 16 times to get my due date changed and every time get a call this day call this time oh we cant do it oh Ur not eligible. Well i have had the credit card for 8 years now. I recently got married and moved so i don't have a job so living off of my husbands salary so we do everything thru bill pay on his account and they call literally the day after yoUr payment is late and they insist you pay when they call well obviously i don't the one month i was proactive and called and set up a post dated check its comes out the day i call and overdrafts oUr account and they tell me that's my fault that they dated it wrong. Cant wait to get tax retUrn to be done with this account . Hate dealing with these rude, unknowledgeable agents who don't care about anybody.

This credit card company does nothing but harass. They have ABSOLUTELY ZERO consideration for college students. As soon as I finish paying off my credit card balance, i'm closing the account. Not to mention their ridiculous late fees. Avoid them at all costs. It will save you a lot of time and trouble.

I just got off the phone with 1FBUSA. I called them to let them know that my payment will be late this month because of a bank holiday that will delay my paycheck. They informed me that since my payment will be about 12 HOURS late, I will be charged a late fee and there's nothing I can do about it. I am immediately going to see if I can get this balance transferred to a lower interest card. This is just ridiculous.

THIS IS THE WORST CREDIT CARD EVER! DO NOT GET THIS CARD!

I got this card as a freshman in college and I've had it for 6 years. At that time, I signed up for the $250 limit (it was 0% interest under $250). Within the first year, they had increased my limit to $2500 AUTOMATICALLY. It's now up to $6800.

About a year ago, I called to have them lower my interest rate (18.99%). I had had the card for over 5 years, always paid on time, never went over the limit, and had a 736 credit score. They refused 4 times. Seriously, they said 18.99% was the lowest interest rate they offered. But, as I see from the comments above about 15%, that was obviously a LIE! So, not only were they charging me $9 on my online payments, but only about $5 of my $100 or so minimum payments were going toward my balance. If that doesn't say PREDATOR I don't know what does.

Anyway, last year, after they RANDOMLY started charging me a $50 annual fee, I decided to have my balance transferred to another card, with 0% interest for 6 months and 10.24% after that. Yes, that's the APR I deserve! And that was the best decision I ever made. IF YOU WANT OUT OF THIS CARD, DO WHAT I DID. Cut up your card (literally!) and transfer your balance to a lower interest card with NO payment charges.

And to add insult to injury, I got a letter a few months ago from 1st Financial. Guess what it said? They raised my APR to 29.9%! Why? I HAVE NO IDEA! How ridiculous is that? I still have EXCELLENT credit and I haven't used the card in over a year--I was planning on canceling it when my next annual payment came up. And I don't care if closing a card looks bad on my credit--I'M NOT GIVING THEM ANY MORE OF MY MONEY.

SERIOUSLY--this is the worst company I've EVER done business with (if you even want to call it that!) Freshmen don't need to have people practically stealing their money--money they don't even have. That's just cruel and wrong. And that's exactly what this company is. STAY FAR FAR AWAY!

It's actually criminal what this company does. This company preys on freshman college students. DO NOT MAKE ONE LATE PAYMENT. Your interest rate will spiral out of control. I made one late payment after I decided to pay online on their website that looks like it was made by a 10 year old and for some reason my payment wouldn't go through suspiciously and I had to try the next day because of their site problems. My interest rate skyrocketed.
The time I stopped paying (yes, I gave up. I have money now, but even refuse to pay them because I've paid them for what I bought about 10x over) I was paying over 4oo bucks a month for my minimum payment.
What kind of company charges $9 to make a phone payment?ly

This is a horrible credit card company. They target college students and recent graduates-appealing to them without really explaining what the possible ramifications will be. I got a card as a college student, and you know life can be tough in school when you're on your own. I didn't buy crazy stuff and wasn't irresponsible, but getting out of debt with them is virtually impossible, not only because of their RIDICULOUS interest rates, but I'm only allowed to make one payment over I think two weeks or something like that, making it impossible to make multiple payments a month, like I could as my paychecks come in, if their policy wasn't so restrictive. I finally did a balance transfer to a Citi card, not that they're much better, but I've found they are much more up front about their fees and balances, etc. They were also willing to give me a year at 0% APR, which hopefully means I'll be able to pay off most of my debt. After that rate, sure, the interest shoots up-but still lower than 1st financial. They don't want to help you because they want you to drown in debt and pay them literally forever. I cannot believe they don't get more bad press...truly ridiculous. Especially preying on young students and making it look like a good deal.

These people are insane. I have had pretty much ever problem that they have all had and not one of them have a nice thing to say and neither do i. DO NOT GET THIS CARD! The customer service is awful and the rate are ridiculous. They charge you to pay your bill.. oh wait you can mail it in throught snail mail and if it is late they charge you. This is a scam and stay as far away as possible. Personally i like Chase.

I agree. My daughter has this card. Started out low interest then all of a sudden its up to 23.9% interest. Now if she was to use it she would pay 29.9% interest. Insane! She has had this for 3 years, never late, never over limit. Another credit card offered 0% for 12 months balance transfer. Guess what, she did it. Whether it hurts credit score or not this account is getting closed. Will hurt just as much everytime they raise your limit. Banks will say you have too much credit. So close the account after a year it won't matter anymore.

My experience has been different but just as bad. I've been with them since the start of my freshman year. It wasn't bad to start, I elected a $500 credit limit and things were fine for the first year or so. Then suddenly they start kicking up the credit limit without my requesting it or authorizing it. Now it's $5, 750 an the APR is 29.9 (which happens to be their only rate!). But I've always paid my balance in full so the rate hasn't been a problem. Now the newest problem, getting the statements in time or at all. During the last 9 months 7 of the statements have been received with less than 5 business days before the payment is due, 2 times I haven't received them at all. It's like they are trying to trap me so my payment won't get in on time, then hit me with a late charge and interest. Every month I've called and every time they are rude, tell me they have mailed them and that I need to contact the post office because the problem has to be there. Personally I think the statements aren't being mailed timely to trap their clients and their customer service is unacceptable. AVOID THIS COMPANY AT ALL COSTS.

I have been a card holder with this company for 6 years, I signed up for the card when I was a senior in high school. I started out with a $500 limit and made 1-2 purchases a month just to build my credit. My credit limit gradually grew to $7500. In those 6 years I got married and had a baby, but never went over the credit limit. I have never been late on any payment and have always paid at least $5 above the min amount due. Recently they I went online to pay my bill (2 weeks ahead of time) and I seen that they had closed my account. I sent them a message asking if this was a mistake and they replied saying my account was closed and could be for one of the following reasons: late payments, over the limit, or they can not see how I can pay off my debt. None of these relate to my account. I am only at $1, 000 out of $7, 500 of a credit limit and have never been late. I don't know who they have working for them, but to hear all of your complaints and after this has happened to me I don't see them making it much further as a successful company.

I've been a card holder for 9 years. Up until now, I've been very, very satisfied, except for charging me to pay my bill online. Hello 1980? Things have changed...

Anyway, a few months ago I started noticing some weird charges on my card. They had been accruing interest from the DAY OF PURCHASE! I have NEVER seen this before, and I've had plenty of credit cards/ lines of credit/ etc. I've almost always paid my balance every month, for 9 years. Never late, 20k limit. I've put a LOT of money through this card over the years.

I called them and they tell me they sent out a mailing telling me of changes in the terms, which I never got. My neighbors probably accidentally got it and shredded it... who knows.

Now they say it has been too long and will not re-instate my ORIGINAL terms... that I had for almost a DECADE. Why would I use this card now? I haven't... in months. I can't cancel since it will hurt my credit score, so it's sits idle. I will never use it for another penny. It's a shame that they no longer want my business after so long.

This is absolutely not how you treat a long standing customer, I don't predict this company will survive.

This card is a trap. I've been a cardholder for 6 years, never paid late, never went over my balance, and most of the time pay more than the minimum. My credit limit is 10, 900 and I have about a 5, 000 debt to pay with them. Last month I had some extra money so I paid 1, 000 instead of the usual minimum of 140 and this month they upped my APR from 23.9% to 29.9%! There is no way I can think of to pay off this card. The minimum payment is 140 a month and the interest is 132. The $8 that goes to my $5, 000 debt doesnt really help much.

Unlike all these other people, I do not have a card through this company, unfortunately I do have a phone though. For months now I have been receiving phone calls on a DAILY basis from this company. Leaving automated voice messages every single day, or nearly every single day. They never call with the same number more than twice a week or so. I have never had a card through this company. They undoubtedly got my number through another company sharing information or something. What makes them think that calling someone repeatedly and excessively will get them to, first off, answer their calls, and secondly, sign up for their card? If this is how they treat people that aren't signed up with them already, I don't want to know how they treat someone who actually owes them money. I will never apply for a card with this company.

I'd like to add a different variety of complaint to those listed above (all of which I agree with, by the way) having struggled with similar issues over the 6 years that I've had the card.)

My major complaint with the company right now is their exasperating lack of tech savvy. They are shockingly behind the times insofar as the internet is concerned. The website is seriously underdeveloped, and the company has recently restructured their firewall to prevent linking in with popular personal finance management software such as Quicken and Mint.com.

A little background to explain why this is a huge issue:

I have struggled with large debt for years (several medical emergencies during undergrad were put on credit cards), and am finally beginning to tame the beast. I am an enthusiastic advocate of personal finance software --Mint.com (which is free!) has really helped me to get a handle on how to attack my debt, and I highly recommend it, as well as Quicken, which I have used for clients for whom I work as a personal assistant. Essentially, the way these programs work is to utilize website passwords for one's accounts in order to automatically transfer data from said accounts into one location. You must provide these passwords over a secure website, after which you can track all spending and payments, as well as view progress over time on a number of graphs and charts generated from your account info, and designed to help you better understand and manage your finances--assets and debt. The sites will also generate a list of ways to save money based on your current accounts, and alerting you of other, better offers you may not be aware of from other companies. Both Mint and Quicken have websites with the highest levels of internet security--their business depends on it.

I have been using this software with all of my numerous accounts for several years now, and recently First Financial began to prevent mint.com from pulling my data, despite the fact that I had authorized mint to access my account information. I called 1st Financial, and was transferred through a number of service reps before finally landing with tech support before anyone even seemed to know what I was talking about. I finally wound up on the phone with a supervisor named Anne, who was shockingly unprofessional in her rudeness, condescension, and even sarcasm. She essentially told me that 1fb is blocking this authorized transfer of data because it presents a "security issue." This official stance makes no sense, particularly given that much, much larger companies, such as Amex, Chase, Discover, HSBC, Citibank (to name a few, all of whom I hold accounts with) who have much better and more comprehensive technological wherewithal--including higher security standards-- than 1FB, continue to allow personal finance software data transfers. The obvious unofficial reality is that 1FB, despite being a tiny, podunk excuse for a bank, is quite crafty in their methods of disenfranchising customers attempting to manage their debt.

The irony is that for 5 years this company has had my mother's contact information on file (I have not lived with my parents for 7 years, mind you) and after repeated requests/demands on my part to delete her information, and even written withdrawal of permission to contact her, they still have not removed her information-- although each time this issue comes up, they promise me they have deleted her info. Of course to defy my express withdrawal of contact permission is completely illegal, but they seem to be perfectly able to insinuate the data must still be in their files due to some sort of tech snafu...

Other frustrations with the 1FB internet situation: unlike ALL other major banks/credit card companies, 1st Financial requires that you waste a personal paper check when making an online payment. All other companies directly transfer funds from one's bank account utilizing a routing number or debit card. In addition, arbitrarily, the highest payment one can make via the internet is $999.99. If you wish to pay more, you must wait a full week before making another payment (wasting yet another personal check--not to mention accruing additional interest fees.) Up until the US government (thanks guys!) made it illegal, the company also charged a fee to make an online payment-- absolutely unacceptable in this day and age.

In short, it would seem that in response to recent government restrictions on the predatory manner in which card companies do business, 1st Financial is scrambling to find ways to continue to hurt their customers in any way possible. To be able to make a single large payment, to be able to track spending and interest rates, to have freedom of access to one's own information utilizing the services of an outside party of one's choice-- these things would seem like simple, inalienable rights. And they should be. I fully intend to write my congresswoman, senator, the Better Business Bureau, and the Bureau of Consumer Credit Protection, as well as to continue posting comments and blogging on the internet. Please continue to speak up about the unacceptable business practices of this company, and do everything in your power to make higher payments than the minimum, on time, every month. Transfer your balances if you can, and fight with all you have to pay down your debt and get out from under the weight of this terrible company.

And, if you don't have the card yet, definitely, definitely look to greener pastures. The interest rates are not competitive, the hidden fees are exhaustive, the technology is prehistoric, and the "customer service" ranges from incompetent to down-right abusive.

Precious321: unlike Heather12's comment advising you otherwise, as a consumer you do not want a card that is "not that bad" or "not a good card to have when life surprises you". You want a card that will work with your spending habits and lifesyle - i.e. travel/hotel rewards, cash back, etc. - in other words, life happens and you need to be prepared for that. 1FBUSA is a company that preys on its cardholders - particularly college students - with terrible customer service, sky-high interest rates, unpredictable changes to terms & conditions, and the company can severely damage your credit no matter how hard you work to be responsible. I highly, highly recommend you discontinue this card next year. This is coming from a girl with a 29.9% interest rate. Believe me, it's hard to get ahead when your every monthly payment is pure interest.

Precious321 - It's really not that bad of a card if you don't get into the same trouble I did... as long as you can pay off your FULL balance every month, NEVER make a late payment, and NEVER go over your credit limit. If you are able to do these things, this card will actually be really great for you. it really helped me build my credit the first 5 or 6 years, but after college I needed it to survive, and thats when i ran into trouble. it's just not a good card to have when life surprises you and puts you into financial hardship.

Well i am a new customer to this bank. My limit is $150 with 0% apr. My experation date is in December. With the comments i just read im nervous on how high the apr gets. Should i not re-new with this bank next year?

I have been a customer of First Financial bank USA for 4 years and have had nothing but problems. Nothing but rude people, high interest rates, and absolutely NO customer service. They could care less what your situation is, you could be on your death bed and they would still harass you for your money. Do not get a credit card with these people!

I HATE THIS CARD - Did you know that your interest is added to your account DAILY - YES THAT IS CORRECT - DAILY INTEREST... how the heck can you pay it off when you accrue daily charges. It's BS, and if anyone has any suggestions on how to work towards paying it off I would be so grateful. They target college students - and it IS good... if you only use it for the bare minimum and never go above the initial $250 limit.

I too had a hard time after college - working 2 jobs and still barely making ends meat. I did use the card for needed items only, and now i'm screwed. My limit is $6, 500, and I pay $200 a month toward it - AND ITS NOT GOING ANYWHERE. Every month I pay $200 on time - and even more some months if I can afford it. I'm just not getting anywhere with this and even though my credit score is great, I can't get a loan through my bank to pay this debt off.

Help Please!

I strongly agree with these complaints and vouch for their accuracy. I have been a 1st Financial customer for 6 years and ALWAYS faithfully paid my bill each month, even in full for the first few years. I started with a pretty high limit ($5000, I believe) and because I was so consistent with payments, they continually increased my limit over the years up to $13, 000. As a grad student these past three years, I've had seasons of unemployment where I relied heavily in this card to supply usual living expenses (like rent and groceries, not partying in Cabo). The past year has been especially rough and I finally decided to stop using credit & entered a debt management program. I was able to do that for 5 months before I got laid off. I was unemployed for 3 months after that and wasn't able to make payments. I did the right thing and called them to notify them of my situation and asked for a grace period on my program. They said no. And in addition, I would be charged "late fees" on a card I haven't used in 9 months, plus the 15% interest rate on my already unmanageable balance. When I spoke with them last week, I first got a kind, understanding man who seemed helpful, then got transferred to 3 other people, the last of whom was extremely rude, demeaning, and abusive. I finally had to hang up as she kept pestering me about making a payment I'd just told her 3 times I couldn't make. And today alone I've received 6 calls from them harassing me about my account. This company's sole purpose seems to be to lull you into a false sense of comfort & understanding, only to hike your interest rate up to 29.99% (yes, that happened to me) and then bully you and your family (my mom's number was on my account too) about payments, even when you've done everything in your power to responsibly manage your credit.

RUN FAR FAR AWAY FROM THIS COMPANY!

I completely agree with this complaint! I was a freshman in college (8 years ago) when I recieved an application for 1st Financial Bank USA. They accepted me and gave me a $150 limit with 0% APR. Over the years I have paid it off, and also had my limit raised. My limit is $8400, and I am now at 29.99% APR. I have maybe had 3 late payments in 8 years. A few years ago I was hospitalized twice in one year and got behind on my bills due to the increasing medical bills. Stupidly I paid all of my medical bills off with my card, not thinking about the interest rates. It now has a balance of $7800. And every once in awhile have I had to use the card when my money is tight, primarily because I make a $200 payment, which $150 goes to interest. I have called numerous times and asked if they could lower my interest rates, and every time they tell me I am at the lowest APR they offer. I have gone to numerous banks and loan companies to try and get a loan to pay off this revolving debt. No bank will give me the money because I have no collateral. My credit score is very good but this card is killing me. I was reccommended to call Consumer Credit Counseling Services of Ohio. Long story short they work with these companies to get a better interest rate, I pay them and they pay the companies. I signed up to work with CCCS on a debt management program which would pay off my debt in 4 years and save $15, 000 in interest. I called 1FBUSA to inform them that the payment would be 1 week late that I was working with CCCS. They said that was fine, they would put a note on the account and wait for the proposal from CCCS. Exactly one week after my due date went by 1FBUSA called to ask why payment was late because it was never late. I told them that I had called the week before and explained my situation. The girl who called was very rude and told me that I still had to make a payment that day because I would be late. I was put through to 3 different people, ending with a "supervisor", who informed me that I had to make this payment or they would not work with CCCS at all. Then he changed his story and told me that if they got the proposal in with them in the next few days they might consider it. Then the story changed again. The payment wasn't even 14 days late! I kept telling them to call my counselor at CCCS and she would talk to them. They kept ignoring that and bullying me, trying to get me to make a payment. He even tried to get me to defer my car payment to pay them, when I said I wouldn't do that he tried to get me to talk to my landlord about not paying rent for a month. Little did he know that my fiance is my "landlord" and he pays the house payment every month. I kept asking why I was told by the woman I talked to before that it was ok that it would be late and they just kept changing the subject back to how and when I was going to pay them. These people were so rude, and talked to me like I was very stupid. The "supervisor" would go from rude to fake sympathetic telling me that he could get the calls stopped for a few days if I post dated a check to them. I called my credit counselor and she said that they do that to strongarm people to get them to pay because they get a percentage of the late payment fee. That I was never to defer my car payment to pay a credit card company! She could not believe that they did this after being only one week late. I am still waiting to see if they accept CCCS's proposal. Hopefully they will because it is more a month than I usually pay. I am very nervous about this because the next option is bankruptcy and that is not my style. I want to pay back what I owe but I need help! And since they evidently will not help (of course they won't they are rolling in my hard earned dollars), I will work with CCCS. Please, if you have this card, cut it up and pay it off!