household bank credit cards

Household Bank is the nation's ninth largest issuer of MasterCard and Visa credit cards.

Benefits of household bank credit cards

Customer Service, 24-Hours a Day, Every Day at 1(800)771-7339 20-Day Grace Period on New Credit Card Purchases when you pay your previous balance in full Up to Three Additional Cards for Family Members at No Extra Charge 24 hour Online Access to your Account Free Online Bill Pay

Acceptance

• Worldwide purchasing power at locations that accept MasterCard
• Cash Access at MasterCard® /Cirrus® ATMs worldwide. For cash access, you must have a PIN (Personal Identification Number).

Protection

• Emergency Card Replacement and Emergency Cash Advance
• Lost and Stolen Card Protection, if lost or stolen call 1(800)771-7339
• Fraud, Dispute, and Authorization Protection

(source: http://www.householdbank.com/)

Complaints Household Bank Credit

I went to a furniture store to buy some furniture. The sales person had me fill out a loan application that was denied. (no sunrise). The company then sent me a card that I did not realize I had applied for with a credit limit of $2000.00 and a 3.9% interest rate for the first 6 months. And the ability to transfer higher interest card balances to the lower interest rate.

Which I did. I transferred about $1559.00 worth of credit card debt to the card and was delighted to cut up 5 credit cards. Today I went to WalMart and attempted to purchase about 45.00 worth of stuff and the card was denied.

When I called the credit card company they said that my credit limit was 1600.00 and that my interest rate was 17.5% (some of the cards that I cut up the rate was not that high.)

(source: http://www.complaints.com/april2003/complaintoftheday.april13.9.htm)

Another review of household bank credit card

I once had a Household Bank credit card. The limit was only $1000, so when I filed for Chapter 7 bankruptcy, I decided to hang onto this one. Within months I started receiving notices that due to an unfavorable credit report, my APR was rising. So rise it did ~ from 18.9% to 22% and finally all the way up to 29.9%. So I started to pay them off and stop paying those outrageous charges.

After a hot day at the racetrack, I took $600 of my $1400 winnings and sent it to Household. Within a week a notice came saying my credit limit was decreased from $1000 to $400. Angry as heck, since I needed the available credit for another upcoming trip, I called and complained that they took advantage of the $600 payoff and stressed how much I needed available credit. I spoke with many employees and their supervisors who obviously couldn?t care less. They even claimed the $600 payment had nothing to do with the decision. Now think about it ~ how could they cut the limit unless I paid that out?

Another problem was that I had recently used the card just before that notice which would put me over limit when they got around to process it. A supervisor was gracious enough to raise the limit $25 to cover that expense. She also suggested I write a letter of discontent to the president of Household as many ?good and faithful long term customers like me? were so upset. I didn?t bother with that and decided I would payoff the balance ASAP.

By October 2000, they were all paid off. I kept the card for emergency purposes only. In December 2000, I received a notice that my card would not be renewed come the following January. GOOD RIDDANCE I SAY!

(source: http://www.epinions.com/content_13178015364)

household bank credit cards