GE Money Bank
Reviews and Complaints

I also had a paypal credit accout for 2 months I closed my account because every payment was late no matter when I sent it. I even got a conformation number on my last payment. They charged me a returned check fee and never processed my payment. I found out on the next bill that said I had all of these problems and I called them they said I didn't have enough numbers on my checking account.I am still wondering how I got a conformation number but I did. So my check was never charged I got them to waive the returned check fee because there was no returned check. but they want to charge me a late fee and I refuse to pay the late fee (I did pay the account in full just not the late fee) so now they have turned me over to collection NCO who call all hours and paypal charges me a new late fee every month.I think we are up to 200.00 now what ###s.

I Also had paypal credit for maybe a month or two, i made a purchase and sent a payment via email and the payment never made it! the money went to my account but not all of it. I am discusted and outraged by the way GEmoney Bank conducts their buisness and i hope this goes out and people notice and make a deal of it big enough so it catches attention and this company is brought back .

Yes agreed Ge Money demonstates unethical and ruthless business practice

The evidence speaks for itself

Check out this site for detailed info on GE Money's track record

ASIC acts on GE Money’s insurance and debt collection practices
http://www.australian-real-estate.net.au/investing/2008/05/30/asic-acts-on-ge-moneys-insurance-and-debt-collection-practices/

GE Money’s consumer complaints mount
http://www.australian-real-estate.net.au/investing/2008/07/01/consumer-complaints-about-ge-money-mount/

ASIC helps Australian consumers understand new credit laws
http://www.australian-real-estate.net.au/investing/2010/07/26/asic-helps-australian-consumers-understand-new-credit-laws/

The more consumers that can access reliable information in a timely manner to better

Consumers should be able to research finance companies first before making a decision to apply for a finance product.

If consumers can see that GE Money products have distinct disadvantages, that the customer service is poor, the interest rates higher, and the debt collection process is very aggressive and damaging for the consumer it is more likely that consumers will not take up GE Money products.

Loss of business for GE Money and lower profits will really make an impact against GE Money

Hit GE Money financially and make a difference

Spread the word about GE Money complaints

GE Money’s consumer complaints mount
http://www.australian-real-estate.net.au/investing/2008/07/01/consumer-complaints-about-ge-money-mount/

Recently money was taken from my account $31.98 I just want that money refundable, there was no authorization for this action.

How many comments i need send to get money something that belons to me.

Money was taken out of my account, without my permision, now I want that money back, my refund because nobody allow them such of thing.

You stupid person. There is a phone number [protected] why dont you try researching before you go and post showing your ignorance. If they couldn't verify who you were it was probably a typographical error by the 6.00 an hour cashier who was filling out the application. You are unbelieveable! If GE doesn't get the information correctly from the store, they can't process your information. GE doesn't want your business anyway. They're a billion ( Thats right! ) BILLON dollar company. Quityer[censored]en

I also have had the same experience with GEMONEY. My Dentist suggested to me it was good as there was no interest if paid in 12 mos. I got a late fee when I wasn't late, I was on the phone with them for an hour and asked directly if I could pay the next month in advance as I was traveling out of the country. The operator agreed but somehow made my payment late. I tried to set up auto pay which they don't have. (Good for 3 mos only) So when you think your bill is being paid it actually isn't.
On top of that, I began paying 100.00 every month on time, they raised the due amount 7.00 dollars. I almost didn't see it and would have been slapped with another late charge.
The people in customer service are rude and hung up on me twice. I asked for an explanation of why they have charged me 400.00 extra and they said it was becasue I was late twice. (I never got the contract or read it.)
Then as I go to pay the whole amount off they charged me another 300.00 for the previous late 2 fees. In other the same 2 late fees. I paid the month late fee. I am not deliquent on my bills my credit score was 780 and now they said they have reported my 2 late times and now my credit rating is down.
ANYONE WANT TO START A CLASS-ACTION LAW SUIT? I AM PRETTY SURE WE WOULD WIN.
They are deceitful snakes laying by the side of the road waiting for its prey. How much longer will we decent law abiding citizens allow them to commit high way robbery? I am presently out of the country but when I return I am going to fry them in court. Linda Reason

I spent hours trying to pay my entire balance off from their site. I had to turn off all scheduled payments to put in a one time payment. This was completely illogical. After I pay off the entire balance, they still gave me a service fee. Lucky for me I noticed it before it accrued interest for 15 years.

Mr Jaeger,
Credit Card companies are not responsible for customer ignorance.
Thank You.

that problem about not getting your terms and conditions has NOTHING to do with gemb, but everything to do with the provider you signed up for the card with. if you contact gemb right away... they would have helped you and explained your account to you, as well as sent out a new terms and conditions letter.

not all credit companies are out to get you!

http://dayton.app.bbb.org/complaint_details/5001136?clean
Check out this web site, It shows over 6, 000 complaints against Care Credit and yet they have an A+ rating with the BBB. I just finished filing a complaint to BBB Please do the same.

Has anyone found a good contact at care? I have tried to talk to people at the [protected] # but they are evasive, indirect, and told me to write a letter to the el paso TX office. In the mean time they are hitting the $321 overcharges with intererst of $28 per month. Balance should be zero.
stevejgr@yahoo.com

Care Credit offers zero interest for 12 months. Beware... I went to the Dentist 3 times for a total of $585. I paid $585 in 12 months. My balance is $321? I set up auto bill pay thru them from day one. they say I have 4 lates for $160. and because of my lates I now have finance charges.. I see no late fees on my statement. Customer service is evasive, I filed a small claim against them and they avoided the certified letter of service. Last month They said I owed $318 when I thought I was paid off, I made a pmt of $25 to avoid them from saying I was late till we could get to court and now my Balance is #321 Looks like I'm getting hit with $28 per mo interest on a no interest loan..

9-30-09

I too am so sick of GE Care Credit. I cannot get in thier web site ..never, when I need to...just to pay my bill. Now after reading all these complaints, I amm reporting them to the State Attorney General. If you all do that, things may change.

WOW I find my Care Credit card has been wonderful. I have used it for 4 years now and has been a life saver. I am confused on how you dont know your terms and conditions. They come every month with your monthly statement? Like all credit card companies they are obligated to provide this.

Nicole

I disagree with my charging . I spent only 50 $ maybe less $ but my statement grow up to 300 $ . Please let me know how come ? If I do not use this card for long time and I paid everything

GE is now under Synchrony Financial: https://www.mysynchrony.com/mysyf/carecredit-login.html

I am wondering what GE Money Bank's website is. I have 2 accounts with this company. The companies are Select Comfort and Don Reid Ford, requesting assistance from anyone who knows how I can contact this company through their website.

My wife ran up a nice $1100 bill for care credit and I took her accounts over since she is not able to balance finances, after blindly paying for a year, I noticed my balance is $800 at anywhere between $25 and $40 a month.

Little did I know they were charging this huge % rate when I'm use to 2 - 6%.

All of my wifes cards are in my name because of my high credit rating. I found these posts because I am on another PC and decided to check the account. Each time it takes a good 5 minutes searching google to find where to pay.

I feel for everyone here as I have yet to have all the disappointing harassing calls or erroneous bills. I assume the monthly statements are sent from a different department or company which no one actually can contact. Each time we call the company and connect to someone (random around the world), that person has no idea where these statements originate from nor has any control over automated payment system.

Someone on here needs to take up a collection of numbers so when another person has a problem, they can fax all 26 numbers and call all 65 numbers to get the issue resolved that day.

I would much rather call them and let them tell me to fax it in where I reply "I did, to 26 fax numbers, so find it, fix it and call me back!"

This truly is a poor excuse for a company. I didnt realize paypal and Walmart used them, I do have a walmart card now but forget paypal. Too many daily transactions for me to pay huge fees on.

**Dont forget - they have a Monthly Auto debit feature on the site, so you can setup your bank account and have it drafted out. Another way for you to claim its not your fault if the payments late.** Like that "Quityer[censored]en" guy says, most of these errors are brought on by us not failing to understand that this company is a 19th century joke of a company with underpaid dropouts and a huge artificial intelligent computer system running the accounts to systematically take over the world. Once we all know this, then yes... we will know to fax 26 numbers and call 65 next time. Or perhaps just review the terms and conditions next time before we enter into dept with a company.

Good luck to you and everyone else.

Whose going to be the person that can initiate a class action suite against GE Bank? There are hundreds of complaints on the internet about this companys inability to do proper business and taking advantage of all us little people! Yes, I am one of them. I'm currently unemployed and cannot meet my monthly payments with this company and for the past three months have been trying to lower my monthly payment so that I can. All I'm getting is a big bunch of lies, runarounds, late fees and headaches just trying to make a smaller payment until I can get some work. My dentist: Dr. Bradley Hylan was wonderful in treating me! However his wife Susan Hylan has not been co-operative in helping me with my situation, since she hooked me up with GE MoneyBank. I was under the impression that I was getting assistance directly from my dentist and the monthly payment would be affordable until my work situation would get better. Susan Hylan never explained anything to me or my sister who was with me at the time and now is being harassed at her job as a teacher for my bill! Still trying to get Susan to help me to NO AVAIL! If anyother person or persons can afford to retain a lawyer regarding all of the wrongs GE Money Bank is inflicting on the common people please count me in as one of them! This company needs to be shown you cannot continue to treat people like they are nothing but a payment and a late fee!

Somebody out there please help us before we all lose our minds or die!

My brother Santosh Rai has been allotted Credit Card No. [protected] with the crdit limit of Rs.5000/- only in the monyh of June, 2007 with the assurance to issue the same" Free of Cost". But nearly after passing of one year he has been advised to pay the sum of Rs. 732.01 including the Late Fee of Rs.350.00 for which he has neither been advised earlier nor the Card has been used on any occassion. He is getting regular threatenings from your office to settle the same at the earliest failing which he will be penalised regulary with Interest & Late Fees. Please look in to the matter immediately and resolve it at the earliest before taking any approprate action at my end. How it is justified to pay the charges without any use and with False Assurance for not paying any charge at the time of issue. However the cancelled card has already been despatched at your P.O Box No.3310, Jangpura Post Office, New Delhi 110074.

Your kind attention is once again invited to Waive off your claim of Rs. 732.01 and ensure not to send any Monthly Statement with Reminder to pay any outstanding for no use of Card and also to avoid the cheating attitude of your marketing executives to the unknown people like him. Please also confirm the waiver of the same at the following address same :

Santosh Rai
E2/730 Vinay Khand, Gomti Nagar
Lucknow-226 010.

Santosh Kumar
Brother of Santosh Rai

To, Dated : 24/08/2008
The GE MONEY,
Credit Card Division,
Delhi.

Sub: Bad Services of the Credit Card. No. [protected].

Sir/Madam,
I am Vikram Sharma. My Credit Card No. [protected]. My Credit Card was issued in 2004. I used card 04/10/2004 for Rs 1, 000.00. And second use on 04/11/2004 for Rs. 4364.00. After Charging the interest on the said amount to Total Amount Was Rs 5, 869.98. For Which I did the payment of Rs 5, 900.00 with no outstanding dues. The Customer Care Department said that u have paid Rs 5, 900.00 which is the excess amount. And thus you have no outstanding dues. Therefore your account become nil. Next statement showed the amount of Rs 46.76. I thought they will reverse this money to maintain the good customer relationship. I did the payment in time. Because if you know any credit card department does not want to loose good customers. I am using the credit card of other bank also like ICICI 4 Cards, HSBC 2 Cards, CITIBANK 2 Cards, ABN AMRO 2 Cards etc etc. But not faced the problems like this. After a long gap opened the statement and find out that the interest has become Rs 232.19 till August. I called the customer care center they told me that your payable amount is Rs 634.26. Therefore I did the payment of Rs 634.26. Which should not be paid. This is not fair. I don’t know why they are charging interest.
So, my confirmation ID for this last payment that is Rs 634.26 is [protected]. tele caller person name i.e. Mr. Ankur. Dated 24/08/2008. Time 10:14. Please close this card as I don’t want to continue with GE Money any relation like credit card, loan, account etc. etc. Please issue the NOC or No Dues outstanding as on date.

Thanks

Best Regards,

VIKRAM SHARMA
M-75, Vikas Puri, Near U.K.Nursing Home,
New Delhi-110018
Phone No. # 011-[protected]
Mobile No. [protected]

I totally agree with the above gentlemen post.

I have also faced the same from Ge Money, A gentlemen from Ge money has taken all the documents promising a loan of Specified amount with the cheque for processing the file.

Later there was no communication from the Bank upon which i requested for details, Bank told me that they can not provide with the specified amount and returned my documents without the cheque.

I think they are just fooling people and One should not go to Ge Money.

GE, who carries the credit for SAMs club, continuously freezes my account for fake fraudulent activity. Two weeks ago GE froze my card for a $20 Yoga purchase & a $15 Kroger purchase. Yesterday they froze my account for a $49 attempted Walmart purchase. GE's fraud protocol does not work. They are trying to land the big credit card fraudsters from Somolia etc. and all they end up doing is taking credit away from a 62 year old working mom. GE hates its customers, of that I am certain. Thank Goodness, I had my American express card on hand to pay for the purchase. American express has never once falsely flagged my account for fraud, nor have they ever denied a purchase nor blocked my spending. Get a grip GE, you are a terrible, customer in-focused company.

I tried to get a refund for a returned item and the "bank" kept putting up "policy" statements. When I asked to see a copy of the policy they said they did not have access to outside emails or fax and again, that was handeled by another department and again "your local" Sam's Club has them (they did not) (nor would they talk to the local Sam's Club). They would not talk to the bank the money was supposed to be transferred. (and to be fair that bank would not talk to them either.) Makes me wonder how deep banks are in the controlling of funds in this country. So after almost two months I am stilling spending time and money trying to get my refund. I guess I'll have to find a "cheap" lawyer with my receipts and journals.

Folks... read your terms and conditions. Besides ALL banks the moment you owe them money, and they aren't receiving it... their collections division will be all over you. Late fees are there to deter people from going late. Oh and 27.49% rate is because you were past due on at least 2 bills... pay on time.

Maria,

I agree with you 100%. But it is worse in my case. I had a bill of around only $80 and was one day late on my payment (the minimum was like $15) and Sam's Club called me over and over and over and over and over and over again. I don't answer calls on my cell phone that I don't recognize, so I didn't answer and they obviously never left a message.

I finally called them back and they told me I was late and they charged me a $25 late fee on a $80 bill. My credit is immaculate and I've never been late on a payment in my life. The reason I was late was because they said they sent me out a statement, but they didn't. I never would have not at least made the minimum payment.

So now I am in the process of buying my first house and the loan officer is running my credit and tells me my credit score got dinged points because of this stupid Sam's Club mess.

They handle their credit HORRIBLY. They are billion dollar company and harrass customers for a mere $15 minimum payment that is past due.

I have paid off my Sam's Club card and if and when I do go back there to purchase something I will do so using my own credit card or cash.

And I will also not recommend anyone to Sam's Club from this point on.

Yes agreed Ge Money demonstates unethical and ruthless business practice

The evidence speaks for itself

Check out this site for detailed info on GE Money's track record

ASIC acts on GE Money’s insurance and debt collection practices
http://www.australian-real-estate.net.au/investing/2008/05/30/asic-acts-on-ge-moneys-insurance-and-debt-collection-practices/

GE Money’s consumer complaints mount
http://www.australian-real-estate.net.au/investing/2008/07/01/consumer-complaints-about-ge-money-mount/

ASIC helps Australian consumers understand new credit laws
http://www.australian-real-estate.net.au/investing/2010/07/26/asic-helps-australian-consumers-understand-new-credit-laws/

The more consumers that can access reliable information in a timely manner to better

Consumers should be able to research finance companies first before making a decision to apply for a finance product.

If consumers can see that GE Money products have distinct disadvantages, that the customer service is poor, the interest rates higher, and the debt collection process is very aggressive and damaging for the consumer it is more likely that consumers will not take up GE Money products.

Loss of business for GE Money and lower profits will really make an impact against GE Money

Hit GE Money financially and make a difference

Spread the word about GE Money complaints

GE Money’s consumer complaints mount
http://www.australian-real-estate.net.au/investing/2008/07/01/consumer-complaints-about-ge-money-mount/

It is impossible to pay your credit card bill online. After multiple attempts to pay my credit card bill online, with a representitive on the phone, we could not do it. I had her close my card, and didn't pay the remaining interest on the card.

Her name is Rajni x7263 - 7am-10pm Central. you have to call this number though [protected].
Then you have to imput all your info first every time (takes about 15 minutes to reach her after holding).

Make sure you tell her you're recording your conversation.
DO NOT USE STORE CREDIT CARDS.

we have many GEMB cards, which after yrs of paying instantly and being dedicated to strive for the best credit file possible. it appears that GEMB has possibly injured our credit file which as everyone knows, EVERYTHING is based on your credit report files. i shopped all yr for xmas items. balances did get high. pymts made like clock work, never late, always more than required. Finally after all gifts were purchased this yr,we paid off our credit cards. In the mean time,GEMB started reducing the credit limits. Like from$4,000 to $250 (after $balance reached $3400) others were reduced too from thousands of dollars to a mere $200-$250. Letters were sent out to GEMB. We have like 23 cards which credit rating was excellent. Although its not a good idea to close out accounts to build the best credit score. In this case where GEMB appears to cause injury to your credit scores, I beleive it may be best to close out all GEMB accounts. I beleive GEMB should have to pay for their unjustified injuries that they have caused to us, their consumers. Never late, always paid more than required...To end up having GEMB reduce your credit limit , which makes lenders think you are a high risk, & Have you humiliated at checkout while thinking you have thousands of available credit remaining...

I COMPLETELY agree that GE Money Bank is God awful to deal with and should be shut down. I welcome the opportunity to become a part of a class-action suit. I started down this journey through the Home Shopping Network that has unwisely chosen GE Money Bank to handle its credit card services. HAD I KNOWN THEN WHAT I KNOW NOW!.

I advise everyone to run (not walk) from any operation related in anyway to GE Money Bank. I will also attempt to contact 6O Minutes at CBS and request that they do a story on this worst of all financial operations. All of our disgruntled voices need to be hear becasue there's strength in numbers and hopefully a net for those who find themselves falling into the GE Money Bank abyss.

Your saying people don't want to pay their bills. Sometimes other things come first. Having a place to live. Or you don't think of that do you?

Ok all I heard in that whole post was. Dispute.. pffft..dispute..dispute.. pff..disp..
Stop trying to sound technical. Why didn't you just get a supervisor on the phone - someone is there that is competent enough to help you, and go ahead and stand in line with the complaints with BBB on Ge Money.

they had over 2000 complaints from people just like you that just don't want to pay their bill and they're still in business.

So..
Quityer[censored]en.

I had the same problem with GE Money. They charged me $35 per month for a late fee, even tho I had paid $207 every month, prior to the due date (my minimum payment was $26). I contacted a customer service representative, and she told me that I should pay closer attention to the terms of the agreement, which were on the back of the bill. She said it said that I could not pay early; but when I read thru the terms, nowhere on it did it say I could not pay early. So I have been taken for the past 6 months. I paid the account off in full today, once i realized what a ripoff this company is. Please take your business elsewhere! Do not use GE Money!

Its under the FTC radar because no one is filing complaints with the FTC and Office of Thrift Supervision

Everyone having problems with GE Money needs to report them to these agencies so they can force GE Money to fix their broken processes and nasty attitudes

Check with any Private Label Consumer Financing and you would find a very high rate of interest. Whether the prime changes or economic features are shifting is only a variable for the type of loan with interest based directly on the prime; however, many Private Label and Closed-End Installment contracts are disclosed as a set rate, regardless of the economy.

Yes, be a smarter purchaser, but please also be an intelligent complainer.
It is too bad you feel so mistreated, but a little care can certainly make life a little smoother for everyone.

I received a credit card from GE Money Bank for Dick's Sporting Good Master Card. I called GS MoneyBank and reported that I had not applied for a credit card with them. Essentially they refuse to deal with me unless I give them my social security number. From what I can read on line GE Money Bank doesn't seem reputable, so I am hesitant to give them my social security number and birthdate.

Recently I received a bill stating charges had been made in a State at least 300 miles from where I live. any suggestions beside reporting it to the credit bureau which i intend to do...

Lowe's Visa owned by GE MoneyMoney Bank is deceptive and sleazy. I used the card to avail myself to a 20 dollar reward certificate...yeah right. After months of not receiving this I called and they said it had been issued, I said when? Oh they print it on the second page of the statement. Well, that wasn't explained to me in the "terms", they said sorry they can't re-issue it. I mean really, they couldn't print one line on the front that says reward certificate on statement pages, in the month hen they decided to print it there? I am so tired of big businesses doing nothing to not uphold their part of the consumer relationship. WRONG.

Not buying at Lowes because of the actions of their credit card operator is EXACTLY the best way to protest their usurious practices-these greedy (censored) need to know that 24% interest rates to GOOD CUSTOMERS will not be tolerated anymore-how much it too much? It is just wrong.

First of all LOWES is a wonderful place to shop. Second of all everytime I shop at LOWES I always get greeted ans always get help from someone. They have wonderful customer service and the Credit places have nothing to do with Lowes. That is a totaly differant company that only deals with there credit cards. So not shopping at Lowes and dropping the stock is so stupid. You need to get your facts straight first before accusing Lowes because the credit card companies have nothing to do with them. My suggestion is to n0t get a credit card if you don't know the facts. I am a FACEFUL CUSTOMER OF LOWES AND WILL CONTINUE TO SHOP THERE AND KEEP BUYING THE STOCK. I LOVE LOWES!

I have been a JC Penny customer for several years with an excellent credit history. I too had my credit limit reduced from $2000 to $100 based on data unrelated to my JC Penny credit history.
Until the illegal & inapproprite activities are stopped:

NO LONGER PATRONIZE ANY BUSINESS THAT USES GE MONEY BANK.

REPORT COMPLAINTS TO STATE AND FEDERAL CONSUMER AGENCIES.

i know the feeling. when they changed from capital one to lowes visa is when the problems started. i had a lady saying she was from lowes visa platinum and i was 3 moths behind. i said lady thats a load of crock i just made my payment the first of last week. she kept on and on insisting that i was 3 months behind. i cussed her out and told her not to be calling my house calling me a liar. she did not speak english too good. she give me another number to call and they said i was only 1 month behind and that happened when the switch over took place. i don't get paper statements and they failed to send my bill to my email address. when i got through telling them what i wanted them to know they were glad to take the late fee of 39 dollars off. i say lets sue their pants off.

The same ...very same thing happened to me. I am closing both accounts as a result. What a scam.

I would LOVE to see a class action suit happen. I have had nothing but problems and now to top it all off - I have well over $4000 in available credit and the last 3 times I tried to use it through my PayPal account - I WAS DENIED! What in the world is up with this company. I went from 16% interest rate with my first "Lowes" card, to over 23% after the buy out. I could go on and on but won't. Again, a Class Action sounds perfect. If not to resolve current issues, at least stop them from doing this to millions of unsuspecting people. One last comment... Lowes is my favorite place to shop - bar none - but the fact that they have no apparent control over the card company that bears their name is ASININE! Everytime I walk in there I think about GE Money. Not good. So much for not going on and on!

everyone should do what we can to put these people out of business.

yeah i have one call their fraud department idiot HELLLLo

IN it to win it. Thats how they make their Money DUMMY! pay more than 84.00 a month and you'll pay towards the principal. Anyone knows that!

I have also similar issues! i am so upset that i cnt express, some times i feel whole month i am just worried that my emi should is at time or not, i have to follow bank why they have not presented the check
Bla bla bla, i have 100 email conversation with bank.

No one is ready to help!
No Communication?

Sometime i think can i file a consumer case against bank?

I totally agree with the above. I have also complained for non receipt of my cash card which is pending since last six months. Even after several calls made to the customer care my problem is still not solved.

I agree. Also unfortunately - I signed up an agreement with them for quite a bit of some and now the pathetic thing is that I cannot even prepay during the initial 1 year of the loan. Always Nationalized banks are 10000 times better. Please do not get conned by the sweet smiles and nice servitude of the loan sellers. Even if it is a bit of a pain - always go through Nationalized banks as there will not be any unfair charges on any loans. I am okay oif the business is fair but ROBBING money from salaried class is not good. This is nothing but robbing people and sincerely pray that Govt of India brings some regulations on this unlawful increase of interest rates and throws closes the doors to such companies from India.

Try one very simple but effective remedy... Don't pay the EMI for the month and see how the GE guys run from pillar to post to register your greviances...

Regards
(Siddharth Razdan)

FILE COMPLAINTS WITH THE FEDERAL TRADE COMMISSION AND OFFICE OF THRIFT SUPERVISION. You have to complain to both. FTC compiles complaint data for other government agencies to access.

OTS works for you to resolve the complaints.

As you know GEMB just ignores valid customer complaints and will lie every chance they get.

They cannot ignore complaints from the Office of Thrift Supervision. And it will usually be resolved within 45 days.

I really like what Mikah has to say about all of this. CareCredit is no different than any other credit card out there. For those people that like to say things like "I was late ONE day and all of the sudden I hate 28% interest" and things like that, come on now. CareCredit, along with most credit cards, raise interest rates after there are multiple late payments on accounts. As far as what happened in this case, this is completely Heather (the cardholder's) fault. Complete stupidity. If she had been a responisble consumer and actually read her statement (the ONLY form of correspondence a credit card company has) she would have understood fully what would happen to her if she didnt pay that promotion off. Even after the promotion expired and the deferred interest was tacked on she could have prevented the over limit fees by paying the account balance down, or at the VERY least paying more than the minimum. Simple math would have saved her a lot of money. How exactly is this the credit card's fault? They provided all of the information UP FRONT and have hundreds of people available almost 24/7 to answer any questions she might have had about the account. Because of her failure to understand her own account she was charged fees. What it comes down to is people in America refuse to take responsibility for their own actions and their own stupidity. Want some advice, people? OWN UP. People make mistakes, but there is nothing worse than listening to someone blaming everyone else for their self imposed problems. Remember that when calling your credit card company asking for favors.

I work for a credit card company. And although it is not GE, I know what speaking with ignorant, small minded people is like. As with any other credit card, there are finance charges. When you apply for credit, you should be fully aware of what you are signing, and read the fine print. So many people play stupid and act like they have no idea what a finance charge is. They send statements to you EVERY MONTH regarding your account, payments, and what date to have it paid off by so you do not get said interest. Every time I have called GE they have been more than helpful, and I am not so racist as to blame someones nationality for my irresponsibility. I can almost guarantee you requested to close your account, and in turn, thought you might get a little satisfaction by insisting you didn't. From now on, if you are having trouble understanding somebody, ASK FOR A DIFFERENT OPERATOR, one in the US. They are more than happy to transfer you. (And I can imagine REALLY happy to get you off their phone!) Quit taking it out on these poor people who are only doing their jobs and trying to make a living, and grow up a little by being an adult and READING your bills!
ps
Better Business Bureau isnt going to do ANYTHING for you, because being stupid isnt that company's fault. Good luck spending even more money.

I am still fighting with GE about a payment I did through their automated service on the phone. I was told I never paid, I have provided proof of my cleared check, and they keep telling me I never sent a copy of the cleared check. I filed a complaint with the BBB and the Attorney General.

If you don't like the interest rate, get a card from another company. GE Money will lend money to people with very bad credit ratings, and the percentage rate they charge is high because of that.

Credit card terms and conditions as well as interest rates are allowed to change if they notify you beforehand. You do have to read stuff they send you in the mail. That's a pretty good idea.

should have checked your contract sounds like a consumer that doesn't read what he is signing :)

Ok - so you accepted the credit without even asking what the APR was. You should get a Stupid Award. That was YOUR FAULT. Not the companies.

Then you said they are unwilling to negotiate the APR - I know for a fact if you have 6 months of great payment history with no late payments they will review your acct and send you a notice in writing within 30 days. Did you bother to ask about that? Of course not, you'd rather get on a message board and slander a company's name instead of doing your homework and reading the Terms and Conditions. Call Lowes and ask for a copy of your T&C and Quityer[censored]en.

I completely agree, they told me they cannot lower my APR of 23% (originally 21%). I'm not ever going to keep a balance of course, but I want to lower the rate so it looks better on my credit score. GE MONEY BANK IS A TERRIBLE EVIL COMPANY THAT IS UNWILLING TO SUPPORT ITS CUSTOMERS.

I have a very similar experience. I filed bankruptcy in 2004. I listed the motorcycle as exempt and placed it on my excluded accounts list, yet GE put it into bankruptcy anyway. I paid double payments $150.00 instead of $80.00 every month without ever being late. Finally I paid it off 4 months ago. I have yet to receive my title. I have been calling them every week. They will not even give me a correspondence address other than the payment center. Registered mail to that address is returned undelivered.

I have had limited experience, but my first is negative. I mailed my first payment December 1 for a payment due December 8. They posted my payment December 9 and charged me a late fee. They are a rip-off and I will no longer do business with them.