04-29-2012 02:10 PM
04-29-2012 02:30 PM
04-29-2012 04:09 PM
04-29-2012 04:44 PM
04-30-2012 02:08 PM
05-07-2012 05:58 PM
Thank you for taking the time to reach out to us regarding your concerns with the late fee that you had on your account. After paying so consistently, it would have been frustrating even to me to have a late fee that was so much more than the monthly payment that was owed.
Unfortunately, the terms of the credit card are determined by the issuing bank, which at the time of the fee was HSBC. These terms are generally documented on statements or in a separate mailing sent by the bank. As we are a completely separate company from them, we do not have direct influence over or access to their accounts or policies.
That being said, I have forwarded your concerns regarding this, including the troubles you had trying to reach someone there and set up your online account to the bank to review. When I receive a response from them, I will be certain to let you know via a private message. You can read your private messages by first verifying you are logged into our forum and then clicking the envelope icon in the upper right corner of this page.