ABSOLUTELY NEVER USE THIS CREDIT LINE COMPANY EVER. After buying some flooring and signing up for their credit line, I had always planned on paying off the flooring in one go. I asked the flooring teller multiple times if I could just pay off the credit line in store and they told me no, you have to wait for your credit card. So I waited, and having moved into a new house of course it dropped from my brain. Fast forward a month, I still have not received a credit card, I received one email statement but when I go to login online I need an account number, or my credit card number (which of course I still do not have). I call in to request another card, and even ask the lady if there is anyway to pay off the card and she says no, just wait for your card. I finally receive it, pay off the entire credit line, and move on with my life. Fast forward a couple of days and I get a credit report notification that my credit score went down EIGHTY-THREE POINTS. Are you serious? I have worked for YEARS paying off all my credit cards on time to have a credit score over 750 and now in seconds they DESTROYED IT. After talking with many family members who also used commenity, I hear that cards are often lost, mail is not ever received, interest rates keep going up, and people are only contacted once it is too late. I even have a deferred interest promotional plan, so I had until November 2022 to pay off without interest which obviously was another LIE! What a bunch of SCAMMERS! I will be screaming from the rooftops and going anywhere, everything I can to leave an honest review of this company! You can destroy someone's life by destroying their credit, and that is what has happened here today! HORRIBLE VILE company! Dishonest! NEVER use them! read more

This bank will not do anything to help you out, and all they care about is that they get their money. DO NOT GWT A CREDIT CARD THROUGH THEM. I was screwed over by, for some reason, having a remaining balance of $58 left on a 12 month promotional period where my husband bought my wedding band. We paid all of our payments and the last one had more left than what our payments required. We didn't pay the extra $58 dollars and were going to just pay the interest on that and pay it off the following month. I woke up this morning to $500 in interest charged to my account. No one I spoke to could help me. They admitted the finance charge could be waived, but "just because I had intent to pay isn't enough. It's black and white." I was spoken to condescendingly and told it was my fault and there's nothing they WILL do. Absolute garbage money hungry bank and people. read more

I received a 0% balance transfer offer for my Total Rewards Comenity credit card. The flyer stated that it expired April 15, 2017 so I called late on April 14, 2017 asking if I could do it on the 15th since I was exhausted from a very long day. The rep said that I could do it on the 15th so I went to bed. The next morning I tried to do my balance transfer and guess what?! It didn't work. Then I called to inquire again and they told me that they would honor the 0% transfer since the previous rep gave me misinformation. Six days letter I received a letter stating that they couldn't do the balance transfer because it was no longer available. BOTTOM LINE: If you are unclear what "Use it by APRIL 15, 2017" means... then let me explain it to you. It means by midnight April 15th. Hope this helps you since ain't nobody has time to pay interest! read more

I have 3 store cards using this bank. I like using the cards to get the store discount and paid the card off a few days later. On to of the card there was a $2 fee. I didn't receive the bill or email of this balance on the card. I only found out when I was trying to the card. The charge now was $22. On 1 of the cards it was 2 days late and was charged additional $24 for fees. For the pass 3 days my payment has been in processing. I keeping checking back even though the site are slow and consistently closes. So if you have a card though this bank, check your account monthly even if you know you have a zero balance. That $2 charge adds up fast. read more

Wife applied for a "William & Sonoma Visa Card" while in the store. The clerk spelled her name Kellogb rather than Kellogg - her SSN was correct as well as her Driver License information. She was rejected for the card because folks at Comenity Bank did not use their common sense or judgment to see the obvious spelling error of her last name. So would you want to do business with these folks? read more

Customer service is very bad. I was pushed to get a credit card through Ulta Beauty, turns out it is Comenity Bank. I didn't receive the credit card so I called them. They verified my SS#, my DOB, address and phone #. So they want me to mail them copy of my Driver Lisc and Utility bill in order to verify who I am because they have my old address. Most companies now you can send them copy of things to verify. Comenity bank wants me to verify through mail and send them a letter. They are stuck in the 1980's and now we are in 21st Century. With the age of Iphone, Androids things are so much easier. Please please don't sign up for Comenity bank credit card. They are nuisance and headache and waste of time. They make things complicated. read more

Hard Money Lender with Unethical Practices.... We should all do a class action lawsuit against this bank. There practice is not ethical. My bank (BillPay) paid my bill one day before the cut-off date, making for two payments in a month instead of the payment going for the next month in which the payment was made. They charged me a $27.00 late fee because the payment was received one day before the cut-off day. I called and was advised that I had to send a letter, I sent the letter to be advised that I wasn't eligible for a waiver. The account was paid off in the last payment but, I keep getting billed for the $27 plus (fees on top of the late payment). This has to be bad practice.. one day and you can't give me the courtesy. I called and spoke to several people and not one person had common sense to see what took place. I want them brought up on charges because this is how they are making their money by shady ethical practices. read more

I received two voicemails yesterday from Comenity Bank claiming that I owed money on a dental procedure and that if they didn't hear back from me they would take legal action. The only dental procedure I've had recently is a cleaning, which I paid for in full. I called them back to let them know they had the wrong person and was told that unless I provided confidential, personal information, like my social security number they could not pursue a fraud claim and that I would continue to receive harassing phone calls from them. I spoke with what sounded like two women. One was named Lee and the last, worst to the extent that she was actually yelling at me, was named T. T refused to provide her last name. This all feels and sounds like a scam to me and I want others to be aware. read more

I changed my address because I moved. That was my ONLY mistake. The moment I reported my address change, they put a hold on the account "for security purposes", then asked for copies of my driver's license, SS Card, Utility Bills, other bank credit card statements just to prove that I lived at my new address. Rather unorthodox, but I complied despite never having this type of experience with any other bank. After doing so, I get a notification from Experian that they've "closed" my account because they had "concerns" and cited "a security risk", one which they refused to share with me. So I get transferred to a superior once I request their subpoena address. The supervisor - Courtney - was the only bright spot in an otherwise horrible experience. When I explained and asked questions for details citing that I had rights to know under FCRA, she was quite sorry but couldn't help me or change the status. I did get the subpoena address, and concluded the call. Bear in mind that I didn't apply to Comenity, it was transferred in when Gander Mountain changed their card relationship. So I figured that was it, I'll pay it off and be done, but...wait... After 40 minutes on the phone with 3 people, the last being Courtney, I get a phone call from a Columbus number. It's Courtney again. This time, she reviewed the information and re-opened the account since she disagreed with the decision on the documentation. Honestly, right outcome but I went through a lot of hostile agents to get to this as a resolution. Do they deserve the reputation they've gotten? Probably. They've not been fun to deal with and frankly the customer service is downright rude in most cases -- these people hate their jobs, it shows. But then you get someone like Courtney who probably gets it and does the right thing by the customer. So definitely not 5 stars, but not quite 1 stars (or zero) either given the final outcome. But they do need to start treating the customer with kindness since retailers read these reviews (check their BBB rating) and should consider the impact this has on customers of the retailers themselves. read more

RUN don't walk away from this bank. I opened a card and was charged a late fee when I clearly, wasn't late. They reimbursed me the charge and then tacked on interest charge with the same amount. I cannot get thru to CS and they don't give a hoot anyway beings they are in another country and are completely unregulated. Overstock/Comenity you are going to see me join a class action lawsuit against you and your unethical practices. read more

I have been waiting for a month and a half for them to process a payment when they were doing their upgrade. I am totally FED UP with this company !!! read more

This bank is a JOKE. We had a credit card transferred from Barclay to Comenity a couple months ago. New cards didn't work for ANYONE - had to reissue. System has been down the entire time - can't access our statements online. They can't email a statement but can mail one in 7 - 10 business days even though our payment is due in a week. It's a joke and frustrating and I will cancel once if I can ever figure out what I owe. If you have a choice (we didn't) stay FAR FAR AWAY - they are AWFUL!!! read more

I canceled the card with 0 balance and now there sending me a bill with a balance $71.39 so anyone with card from bj's get ride of it.

I have been struggling with Comenity bank from Maurices clothing store for almost a year. I made a purchase in August 2021 for $138. I paid that charge on time with my personal bank on line bill payor. Since this time, I have received and forwarded to them my payment receipt showing the date, the transaction ID, my contact from the bank and her contact number. I have forwarded all this information to Comenity. I have filed two disputes with all the credit card services in regards to this bill. Comenity has called sent invoices but cannot seem to trace my payment made to them. They apparently have no one available to trace an online payment nor do they care to Reconcile it. After supplying the three credit card services with my dispute, I did receive a credit invoice with a zero balance back in February. They recently have started billing me again and calling me again. It never gets resolved they can't seem to find the payment and that is all my problem. How can a bank service company not know how to reconcile accounts and check the transaction codes? It is been the most ridiculous, exhausting experience and they are holding my credit history hostage! NEVER WILL I EVER USE THEIR SERVICES AGAIN. Sarah Peltonen read more

On November 17, 2022 I paid off my full balance of $55.28 electronically through People First Federal Credit Union. The payment was not due until November 21. On November 26. I got a phone call from a representative at comenity bank advising me that I did not make a payment. I was charged a fee of $29 along with a two dollar service fee/interest. The representative advised me that if I make a full payment over the phone immediately that the fees would be dropped. several days later, I did check my account online and noticed that the fees were not dropped. I had to call the bank again to address the fees. I was advised that the fees would be dropped. In the meantime, I did make some other transactions. with purchases I made at Burlington in the store. I also returned an item to Burlington for $9.99. I then had a refund balance of $10.53. I then called Comenity to send me a refund check. Which I did receive in the mail several weeks later. last week I went online to check my account again and noticed that I had a two dollar balance.. I then called the company again, and advised a gentleman to remove that two dollar fee and close my account which he agreed to. Several days ago I received a letter from Comenity Advising me that my account was closed, but I was still responsible for the two dollar fee. today I called and spoke to Marta, who advised me she would get rid of the two dollar fee with a lot of pushback. I advised her that I plan on contacting the Better Business Bureau. Here when I went online and finished my review with the Better Business Bureau. it allowed me to pull up other complaints With this company. It appears that other customers are having the same issues, especially over the last several months. I contacted the attorney generals office regarding my concerns and was advised by Bryan that only my complaint can be addressed by filing a formal complaint online which I did. today I called Comenity regarding my boscov's credit card rewards and a 15 % discount I should have gotten. They told me I needed to call boscovs cs Dept directly and have them email them about the discount. I spoke to Mandy and she said I should have gotten the discount. Mandy made a three-way call to Comenity. After I waiting on hold for approximately 15 minutes. A supervisor finally came to the phone. And we got disconnected as soon as she answered. My issues were never resolved. The supervisor never called me back. I am really concerned about the way that this company is handling things. My current FICO score is 814. The unexpected charges without reasonable explanations or resolutions can truly affect me long-term. I plan on contacting the FBI tomorrow. read more

I have decided to close my express.com account due to many mistakes and unanswered calls. The credit card company connected with express is the comenity bank. This business is not a liable company in terms of refunds and account changes. I called the company to dispute a $27 late fee and eventually they credited $15 part of the fee. After numerous phone calls one of the managers credited the rest of the late fee $12 which went directly into my bank account. After closing my account I received a $12 charge when I received with my statement. I guess I was charged after I closed my account....I did not think they are able to close an account with a balance or charge a card after closing it? For over the last two weeks I've been trying to get in touch with a customer service representative without any luck. The bill is due in a few days and I cannot make a phone call or make a payment or get online because my account has been closed. Also nobody picks up the phone. This is the worst business I had to deal with in my life so far. If you do not want headaches please don't sign up with express.com No questions for why such a low number of happy customers who reviewed this company. After my experience with express.com and comenity bank I suggest to customers to shop at the different companies not Express. They will have better customer service, better deals, and better merchandise selection. Comenity bank takes advantage of customers money and "eats" their free time. It is a waste of time trying to contact this unreliable and unprofessional bank. read more

i don't see talbots as one of their partners or whatever. i have been a talbots customer since 1979 and never had a problem, but now, even a day late due to the post office mail or whatever, they charge me a fee of $35 late charge for a $40 purchase and if it is not paid on time, they threaten to advise experian, etc. is this a way talbots would want to run their business--they are expensive enough but then to threaten you for a $35 charge is insane!!!!!!!!!!!!!!!!!!!!!!! i am glad i don't need to use this bank! read more

What a freaking joke. I have late fees and finance charges because I never received my card. I didn't even know my card was through Comenity until it showed on my credit report so I had no way to call to let them know card had never been received. Called on 1/23...was told payment was due on 1/21. I NEVER recieved my card or acct # to make a payment. Was told card would be resent and late fee would be removed. Fast forward to 2/4 finally received card in yesterday's mail. Created an account and made a payment. Guess what, late fee still on account. Called again, I can removed $15. HELL NO!! I WAS TOLD THE WHOLE LATE FEE WILL BE REMOVED! I will be waiting until that is credited, make final payment and the close the account while saying read more

This company sucks. My wife made a payment on time through Bank of America and was assessed a late fee. We wrote a letter to them asking that it be removed. They refused. We asked them to close the account, but they are still billing us late fees on late fees. We are not going to pay. The representative that handled our account is one Zachary Biel. He is stupid and lacks compassion. He is a real jerk. He represents the worst of the worst at any financial institution. The world does not need people like him. He has nothing to offer the human race. read more

If I could give comenity bank 1 star I would. They are charging me $140 in late fees (sending the payment on time) I have spoken to several representatives and supervisors and get a different story each time. 1- We are under staffed snd don't have enough personnel to process the payments. 2- We recently switched banks and your bank account has changed. 3- The facility you are sending the payments to was destroyed by a storm and we have a new processing center. 4- This one was the best-(supervisor Erica) I dont know who you have spoken to and there are notes on your account of what you have told me but none of that is true we have not changed banks and you need to pay the late payment fees, I am truly sorry for your inconvenience. Lol. Apparently after reading many other reviews this is what comenity bank does. The charge you ridiculous fees and they don't like it when you pay in full. Oh almost forgot to mention that I paid the last payment in full in November and then to my surprise saw it had been cancelled by them. They are saying I cancelled it and then said we'll your bank must have cancelled it. I will never again do business with Comenity bank also known as Capital bank, Alliance data. Chairman Ron Ostler should be ashamed of the company practices he represents. read more

Like many of us today we are running into hardships due to COVID, increase in prices EVERYWHERE, High Medical Insurance premiums, Deductibles and Out of Pocket expenses, Health expenses, and divorce. For me personally, it is High Medical Insurance Deductibles and Out of Pocket expenses, Health expenses, and divorce. With divorce comes the loss of a second income and a lifestyle you became accustomed to. With age comes new health issues, which come with high deductibles and OOP expenses. I had to decide whether to pay for a doctor or make a Credit card payment. I have several with Comenity and Synchrony. I decided to stop paying on 4 cards to meet my deductible and other medical expenses to avoid losing my job. Never realizing when I made that decision all 4 cards were with Synchrony. As per my Comentiy accounts, I kept on making my monthly installments. So, my Credit score would not suffer all negative reports and have some good ones come in as well. I miss payments for 3 months and now that I am feeling better, seeing the doctor les,s and starting a new year, I took it upon myself to reach out to Synchrony to make arrangements to get back on track. Never had I been treated with such compassion. The good thing was I dealt with one Representative MACK, who was so understanding. He had all late fees removed from my account and reimbursed. He proceeded to work with me to come up with a fixed payment amount I could afford. They were awesome. Now about Comenity Bank!!!! As I worked on my budget and goals for the new year, I contacted Comenity to get exact account balances. To find out that while I was making timely payments to them, they lowered my credit limit on several cards because they saw my credit score drop due to the late payments to Synchrony. As anyone who cares about their credit knows it is highly recommended to use one-third of your credit limit, so your Credit Score won't suffer negatively. In lowering my credit limit to the existing balance on the accounts. My credit score suffered a huge impact as it now records, I am utilizing over ninety percent of my limit. When I complained they said they also have Customer Service Assistance for hardships. I asked, "what good is that to me if I have zero late payment history" He did not know what to say but they were unaware of my hardship. Why would I have to report to them if I am making timely payments? It makes me wonder if they would have treated me with the same compassion, respect, understanding, and patience as Synchrony did. I DOUBT IT! Synchrony honored my hardship and did not lower any credit limits aside from the fact that I was delinquent for 3 months on four accounts. I will pay off those accounts however I will not use them again. They can linger in my credit report as accounts paid with a low credit limit and a zero balance for the rest of my days or until they choose to close, their accounts. Comenity is about themselves while Synchrony understood that hardship happens to the best of us in hard times like we're experiencing right now, and they are willing to help. Comenity you all need to take human compassion lessons from Synchrony!!! Shame on you! read more

Worst of the worst do not get hooked to commenity for Avenue or Torrid, I closed my accounts and asked if there was any other interest amounts, that might bite me in the A-- later on down the line they said no...And low and behold 2 months later wanted to charge an every lasting 2.00 of interest. which of course would linger and accumulate. Through much screaming and unnecessary explanations... Finally the 2.00 was deleted. Too boot all items where returned So I also paid for clothes never received Nor did I get the credit........Worst of the worst.Make sure if you close your accounts to have them notetate closed my customer for unsatisfactory Customer Service. If I could give them a 0 I would. read more

Horrible bank website is trash app is trash customer service trash. I can barely do anything with my account I loved when my position card was with Capitol one they were amazing now I'm forced to go here I'm paying my behave off and closing my account the only way they get bushes are these account transfer that force people to use them. read more

This bank is definitely lacking professionalism. Starting by the automated service, taking you to customer service, and dealing with someone half asleep. Couldn't figure out an interest charge and had to be transferred to a manager. Simply took over 30 minutes on the phone and nothing was resolved. read more

Worst bank I have ever done business with in my whole life everyone should stay far far away I have 10 credit cards and never had an issue and am never late they are very unprofessional and the customer service is the worst by far in the business read more

The worse and most unprofessional company I've ever dealt with. Got false information twice from the their reps and the manager would not let me speak. She tried to talk over me and was making it seem like I was in the wrong. She claims they were not customer service so I guess that makes it ok for them to treat customers like how they do. Don't even bother with them! They are not customer service friendly and will not work with you if going through hard times. read more

I was talked into a credit card with J. Crew and given a 20% discount on my purchase. Having already paid over $200.00 trying to get rid of this terrible bank, if they are a bank, I received a collection letter today saying I still owe $344.51. I was assured over two months ago that my account had been cleared and that I owe nothing, but these people are not trustworthy so I'm going to file a suit in small claims court and sue tm for damages as my FICA score has dropped over 100 points. The State Department of Insurance is waiting for a claim from me as they have a list of others Comenity Bank has done this way. They need to be put out of business. read more

Apparently their system that processes my rewards for all Fullbeauty credit cards has been down for months and months. I have $40 worth of rewards that I want to use and have been trying since the beginning of June to use them. It's now the beginning of September and $20 of it expires next week. Their customer service told me if I placed an order over the phone with them, the rewards would be taken off manually when order was billed. Once again they didn't do that. That was the third time I was promised that. Their customer service department is horrible. I'm contacting the BBB. read more

My credit card was changed to Comenity Bank. WHat a nightmare it has been. Credit card not sent on time made 5 very difficult phone calls, each at least 2 hours of waiting, to have new card sent to me. Trying to get to talk to an actual person is extremely diffiuclt. Thier staff does not understand English, and repeatly say I am sorry for your inconvenience, then they do nothing about the inconvenience! Customer service is horrible. When I did get the card I have now spent 3 days trying to make an on line account. With an error that my new username and password is invalid. Took 90 mins to get someone on the phone. Only to be told they are having technical difficultiesies, for 3 days. COMENITY IS THE WORST. STAY AWAY read more

Worst card you'll ever have they don't even deserve a one star rating. For any prudent customer who is not willing to have a credit card company ruined their credit score, my advice for you is to run as far away from this specific company because they will steal your money and ruin your credit score. I open this card at a retail store, paid the cost of my purchase with my debit card, few months after the card was issued I got a bill for the product I had purchased when I had applied for the credit card, which I had already made there within the store. I contacted them and it was not rectified, then I went on to make the payments before the due date, didn't complain and I had them close the account. To my surprise, I was being charged late fees because apparently they never cleared my payments on time even tho I made more than the due amount before the due date. since they never cleared my account I was charged late fees months after months after reviewing my credit report because I had noticed a negative impact. Long story short I was made to pay unnecessary late fees which was due to their doing while they also negatively impacted my credit score. Word of advice, run as far away as possible from this credit card company. I have 7 credit cards with over $80K combined limits and by far this is the worst experience I have had from a credit card company. Worst card you'll ever own. read more

This bank is ridiculous, I have never been late and after almost 1 year it gets shut off due to my credit score dropping because either missed 1 payment on another card due to Covid last year. 6 months later I get a email stating that they have closed my account do to a credit decrease. What in the heck is wrong with these people. Like I said I have never been late with this bank. For them to do something like this is wrong and this is why people don't do business with communist companies like Academy. After calling them never wanted to tell me anything and the emails they kept sending me were the same ones over and over again. The unprofessionalism with these people are sick. read more

Exorbitant Interest rates is my second level complaint. I got a Credit posted to my account back in March with no explanation. Six months later it is promoted to revolving??? And, I am charged accrued interest!!!! I can find no record of requesting a new "Plan". And, because I hadn't did not read through to the bottom of the statement. I only tracked credit and debit transactions... Now I've been hit with accrued interest on the "plan". And, they can't explain what I bought or where I bought it! read more

Comenity who also has comenity dentalfirst is billing me for my sons dental treatment. Problem? My son never had the treatment because he died. Not one dental treatment and all he did was apply for dental credit for possible future needs. Now 3 months after he died they send me letters, harassments. I have called, emailed, sent hard copies of his death certificate and have shown them no work was ever done and nothing was billed. They responded by wanting the total amount of the credit line paid back (again no work was ever done) They suck. I have filed complaints with BBB, the state attorney general and the consumer financial protection bureau. They do not care - DO NOT EVER DEAL WITH THIS BANK OR ANY OF THEIR PROGRAMS. read more

Terrible Comenity Bank bought the VISA card service for AAA. Nothing but problems. First, they didn't notify me of the transition from B of A. Then they sent me new VISA cards on somebody's closed accounts. You wait 30 mins. on hold after pressing 0 on your phone as no option relates to your problem. Then a rep comes on that you truly cannot understand. I had to get a AAA manager on a three-way call to get a valid set of cards that they promised to expedite. A week later they came in the mail and I set up an online account to activate. I did so but was declined at various merchants. Went through the whole situation again with customer service and was told the cards were not activated. Let's see now if they work. Not looking forward to the horrible billing reputation these people have. Thinking about not using the cards at all. read more

Long story short, I called to have a finance charge reimbursed because I was offered a solution previously by a rep that would remedy it. I had spoke with an extremely deceptive supervisor from their IKEA card customer service, who blantantly lied that the information which I received during a previous recorded conversation with a rep never happened despite her reviewing the recorded call. I called her idiotic bluff and insisted that if she claims that it was never offered despite the fact that I know for sure that I confirmed that specific information numerous times during that previous call, then she would review the recorded call together with me. She paused, then offered me the reimbursement I was seeking. Regardless, I asked her to review the recorded call, which she absolutely refused to do. She quickly rushed me off the call sounding just as condescending as she did when she first picked up. I got on my soap box about how this was the worst service I've ever experienced and that her behavior was completely unprofessional and inappropriate. To that she retorted, "you're welcome, have a nice day!" I'm contemplating whether or not I'll report this to the BBB. read more

I will never shop at ulta EVER EVER AGAIN because of this stupid bank. They threatened to send my 30$ bill to collections after only opening a card with them last month. The lady on the phone would not shut up and I have recieved 10 calls within 3 days from them. I have other cards however other companies treat me better. When I closed my ulta account they tried to have me keep the card. I said I'm never dealing with you again and you better close my acoount. read more

I had a Jared account that I paid off [$539.11] on 4/13/2019. When I closed the account I contacted Comenity via their web portal and told them to close the account and purge my information because I'm done with Jared and Comenity. They responded that they would and three days later I received a confirmation that my account balance was "zero dollars and that the account has been closed". So the last thing I was expecting was a bill from them for $60.00! They said I made my last payment a day late and it had not been processed when I came in to make payment! WTF! I called them today and they said, sorry... so now I'm looking for an attorney and considering contacting the state attorney general. read more

Comenity Bank - Professional Services Near Me

I have legendary pine card and it never goes through even though I have a high balance and it's impossible to reach them I just stopped using it read more

The worst bank ever. What they do is fraudulent. I made a payment online Tuesday, paying off my entire balance. They lock up the card even though I have available credit, and it says available credit $4900, cannot use the card even still on Friday. I will not use any card associated with this bank ever. read more

Don't make the same mistake I made. Do not use Comenity Bank. Use your own "regular" credit card. What a bunch of criminals ! They made an error charging my account after setting up auto-pay for the first time and then made me pay the fee. When I asked to have it waived, they basically told me (in the nicest possible way) to go screw. Needless to say I will be transferring the balance to another card. Stay Away ! read more