bad credit cards


	Who Cares not GM Card Complaint: I AM SIGHT IMPAIRED AND THE VERY HELPFUL STAFF AT GM TOLD ME I COULD HAVE MY STATEMENT ENLARGED, THIS GAVE ME TOTAL INDEPENDENCE, BUT IT COMES AT A PRICE. GM HAVE BEEN SENDING MY STATEMENTS TO BE TRANSCRIBED INTO LARGE PRINT FOR A LONG TIME NOW. THE COMPANY THAT DEALS WITH MY PERSONAL ACCOUNT HAVE BEEN VERY GOOD, UNTIL LAST MONTH I GOT MY ENLARGED STATEMENT ON TUESDAY 20TH OF JANUARY. A PAYMENT WAS PAID BY MY PARTNER ON THURSDAY 22ND OF JANUARY. THIS MONTH I GOT ANOTHER STATEMENT VIA THE TRANSCRIBER AND GUESS WHAT I HAVE BEEN CHARGED £25.00 FOR A LATE PAYMENT. I HAVE ALWAYS PAID WITHIN THE PAYMENT DATE REQUIRED, BY CASH THROUGH THE BANK. I CANNOT ACCESS THE GM WEB PAGE, NOR CAN I RING THEM UNLESS SOMEONE DOES IT FOR ME (JUST IN CASE YOUR WONDERING I CAN TOUCH TYPE). GM ORIGINALLY SET UP THIS SERVICE FOR ME AND NOW BECAUSE THE TRANSCRIBER WAS LATE FOR WHAT EVER REASON I HAVE BEEN PENALISED FOR BEING DISABLED. I HAVE SPOKEN TO GM WHO HAVE CHECKED MY PAYMENT RECORD, ! THEY ARE WILLING TO WAIVER HALF OF THE £25.00, THEY HAVE SAID I SHOULD HAVE RANG THEM TO CHECK MY STATEMENT I DID EXPLAIN THAT I AM UNABLE TO USE THE TELEPHONE BY MYSELF, BUT BECAUSE OF CIRCUMSTANCES BEYOND MY CONTROL I HAVE PAID A VERY HEAVY PRICE FOR BEING SIGHT IMPAIRED. I CAN NOT EXPRESS HOW I FEEL GM HAVE HUMILIATED ME BY BRANDING ME A LATE PAYEE, THEY HAVE TAKEN AWAY MY INDEPENDANCE BECAUSE I CANNOT TRUST THE TRANSCRIBER TO SEND MY STATEMENT WITH IN THE PAYMENT DATE SO I HAVE CANCELLED THIS SERVICE, THIS MEANS I WILL HAVE TO RELY ON OTHER PEOPLE TO DO MY READING FOR ME I HAVE LEARNED A VERY HARD LESSON NOT TO TRUST GM CARD BECAUSE THEY WILL CHARGE ME FOR THE PRIVILEGE OF BEING SIGHT-IMPAIRED AND ALSO FOR NOT BEING ABLE TO ACCESS THEIR SERVICES BECAUSE OF MY DISABILITY I HAVE BEEN A CUSTOMER OF GM CARD FOR OVER SIX YEARS THEY CAN HAVE THE TOTAL AMOUNT IN FULL THIS MONTH (I GOT THE CARD ORIGINALLY BECAUSE WE HAD A BRAND NEW CAR AND IF WE SIGNED UP FOR THE GM CARD WE COUL! D EARN POINTS TOWARDS A NEW CAR (WHAT IS SO FUNNY IS WE HAVE HAD THREE BRAND NEW CARS ALTHOGTHER AND I DO NOT HAVE A CLUE ON HOW TO ACCESS THE POINTS I HAVE ACCUMULATED!)SO IF MY PARTNER SUGGEST ANOTHER GENERAL MOTORS CAR I WILL TELL HIM WHERE TO STUFF IT AND YES PREFERABLY SIDEWAYS!

	ANONYMOUS: Complaint: HI, HOPE THIS BRINGS HELP TO ALL THAT ARE LOOKING FOR A GOOD CREDIT CARD.DO NOT PICK GM THEY ARE UNCAREING AND THEY WILL TELL YOU MANY LIES TO GET WHAT THEY WANT. THEY WILL GIVE YOU THERE NAME AND PHONE NUMBER OF TO WHOM YOU ARE SPEAKING WITH AND YOU CAN NEVER CONTACT THEM BACK OR THEY SEEM NOT TO EXSIST. I WAS BEHIND IN PAYMENTS AND THEN IT WENT INTO OVERLIMIT FEES BECAUSE OF BEING ON DISABLITY AND I WAS WAITING FOR MONEY. I WAS THINKING OF DOING A SETTLEMENT WITH GM BUT IT WOULD SHOW IT AS A SETTLEMENT ON MY CREDIT REPORT. SO WHEN I GOT THE MONEY I PAID IT AND SAID THAT I DIDNT WANT TO DO THE SETTLEMENT BUT CAN YOU WAVE ANY FEES. THEY SAID THEY COULD WAVE SOME FEES AND THEY ALSO SAID IT WOULD BE $15 FEE TO PAY OVER THE PHONE EVEN THOUGH I WAS PAYING IT OFF IN FULL, SO I WAS TOLD. I HAVE MANY NAMES TO WHOM I TALKED TO AND AS IT WAS I GOT A BILL AND THEY PUT THE FEES ON THAT THEY SAID THEY COULD WAVE. I CALLED ON THIS AND THEY HAD PUT IT AS A SETTLEMENT FOR THIS S! MALL AMOUNT OF WAVED FEES. "ISNT THAT A JOKE" AND THEY SAID THAT THEY CAN NOT WAVE ANY FEES AND THERE IS ANOTHER LIE FROM THEM.SO AS IT IS THEY LIED AGAIN. AGAIN AND AGAIN. AND THEY ALSO SAID WE CAN SET UP A PAYMENT AGREEMENT AND HAVE IT TAKEN OUT OF YOUR CHECKING AND THEY SAID THAT THEY WOULD TALK TO ME TO MAKE SURE THE FUNDS WOULD BE THERE. AND IT NEVER HAPPENED AND I DIDNT GET THE FUNDS IN ON TIME SO I HAD TO PAY FOR A STOP PAYMENT BECAUSE THEY SAID THEY COULDNT STOP THE TRASACTION FROM TAKEN PLACE AFTER IT HAD ALREADY BEEN DONE. BUT THAT WAS A LIE CAUSE I CALLED THE SAME DAY THIS WAS TO HAPPEN. THEY HAVE LIED SO MANY TIMES I LOST COUNT AND THEY DONT CARE ABOUT US AS THE CREDIT CARD HOLDER THEY ARE IN IT FOR THE MONEY.AND THE SAD THING TO THIS MAKES GM AS A CAR DEALER SHIP LOOK BAD TOO. SO THEY MAY WANT TO LOOK INTO HOW THEY DO THINGS AND RETHINK. PLEASE LOOK TO OTHER CREDIT CARDS, THIS ONE IS NOT GOOD EVEN IF YOU GET MONEY TOWARDS A CAR THERE ARE CATCHS WITH THAT ALSO. T! AKE CARE, SOMEONE WHO CARES

	Anonymous Complaint: Regarding the GM Card: Disgusting unfair policies...they will STEAL your money. This is the WORST credit card I have ever had. Having just started a new business of my own, I was needing quite a bit of credit. I have about 4 credit cards (including GM) with high balances. However, I have NEVER made a late payment on ANY credit card, and never paid less than the minimum. Because my balances were high (and ONLY because of that), GM decided that they would raise my rate (which was previously about 11.9%) to 23% on purchases I had ALREADY made. I spoke with the executive offices and wrote a letter. They refused to change my rate back even though I had never made a late payment. NONE of my other credit cards saw the need to do this. ONLY GM. As far as I'm concerned, they are STEALING MY MONEY. Stay far away from these crooks. This is THE WORST CARD you can get.

	Edward Complaint: We signed up for zero percent balance transfer for approx $7000. We did not receive a bill in January. GM called and we payed over the phone. We were told that this would take care of everything and specifically that our rate would remain at zero. We receive the next statement and we have been charged $79 finance charge and interest rate of 15.24%. We immediately called and told them what happened. We had been told that zero percent is removed when one habitually or has a pattern of being late. Geez, I dont get a statement, I pay immediately upon a phone call, am assured all is well and BAM... They refuse to correct this. They offered 2.99% but we would have to pay the finance charge. I am paying off the card minus the finance charge. SCREW GM. I will never buy a GM car because of these BAST**DS.

	Anon new york Complaint: Beware! GM Card will charge you a $79.99 Privacy Guard without your knowledge or consent. Sister just found the charge on her bill and we called and they said she agreed to it back in 2002 (3 years ago). She did not agree to it and we had them take it off the charge. Watch these people. They put charges on your card that you didn't agree to.

	Laura Milford Oh 45150 Complaint_against: GM Card Complaint: I am a college Jr. and very rarely use my credit card. I had 3 credit cards at one time, but canceled the other 2 & kept my GM card becuase of the points toward a new car. I paid off one card and have a small balance(under $500) on the other. I went to Europe for fall semester & used my GM card. It had a $1000 limit on it. I have had this card for 3 1/2 years & never been late on a payment and as I said, rarely used it. While in Europe, GM card raised my limit to $2000. My interst rate was 13.9%. I was glad for the increase as I did some traveling through Europe I would not have been able to afford with my limited cash reserve. When I came home my balance was a little over $1600. In Feb & March, I received "checks" from them telling me what a good customer I was & how I should transfer any balances I had or use them like cash. Boy, am I glad I ripped them up. In April, I receive a letter saying they are raising my interest rate to 23.9%. I call assuming this is a mistake & they tell me no, the risk dept has flagged my card. Now, I just leased a new GM car in my own name, no problem in March, with payments lower than the lease I turned in & all of a sudden my creidt card determines I'm a risk. There excuse was because my balance wasn't going down fast enough. I asked her if she thought it would be going down faster raising the interest rate? She was a total witch, told me she was the ass't to the president & she refused to lower it and nothing I could do. Now of course I'm going to pay it off in the next few months and cancel the card, but it stinks because I just wanted to keep one card and I really wanted the points because I wanted to purchase a new car when I got out of grad school & this lease was up in three years. They can really stick it to you. If you're such a risk, why raise your limit, send convenience checks and tell you what a great customer you are one month before. What a racket!! Throw away those GM cards!!! Laura Taylor

	Anthony Tedeschi 55 Jackson Street Little Ferry, NJ 07643 Phone: (201) 229-9641 Complaint_against: The GM Card Complaint: I inadvertently put my rent check of over $1,ooo in my GM card payment envelope. My landlady informed me that she received the GM Card check. Unfortunately, the mail had been sent. I immediately wrote The GM Card with a proper payment along with instructions to cancel the rent check. After not having received a response from GM Card, I called their customer service number. I spoke to Anthony who advised me that the matter would be taken care of. Shortly thereafter, I received a form letter which inquired about the nature of my complaint. I did not respond assuming Anthony had the matter under control. Mistake Number 1. After not hearing anything further, I again called customer service and spoke to Mary, who after a considerable time on the phone politely informed payment would be sent within 10 days. Mistake Number 2. Shortly after speaking to Mary, I again received a dumb form letter asking whether or not I wanted a refund. Another call to customer service and a conversation with Clorissa. After numerous delays Clarissa turned me over to her supervisor, Christina. I again had to repeat the whole scenario with Christina, who apoliged that Mary had given me a commitment that my money would be returned in ten days. The best that she offered was five business days. At this point I indicated it was baloney, baloney and demanded a wire transfer to my bank. I explained that if I cashed a third party check, I could be subject to criminal prosecution. Further, I could be subject to severe financial penalties for not refunding on a timely basis. In addition, I stated the check was not made payable to The GM Card, that my statement showed a payment of $100, whereas, the amount enclosed was in excess of $1000. Christina parroted the same response as the other customer service reps, which was that their payment system was completely automated and all checks are accepted on their face amount without exception. Christina held to her commitment of a refund within five business. She further stated the error was my doing and terminated the conversation. Perhaps, I will receive another dumb form letter asking me for another chance to decide whether or not I really want a refund of my own money.

	Ruth Ann Coats 512 East Heath Street Rockwall, TX 75087 Phone: 972-771-8184 EmailAddress: ruthanncoats@hotmail.com Complaint_against: GM Mastercard and Household Bank Complaint: Back in January, I sent GM Mastercard an e-mail asking them for help in lowering my payments because I work part-time and don't make much money. I did everything they told me to do and they did nothing. Their parent company, starting in May, told me that I am on their hardship program and that they sent me a letter on April 26, but I have yet to get a letter from them confirming anything they say. I keep getting letters that say I owe money, but nothing that says that I am on the hardship program and I keep getting phone calls from them demanding money and they also keep telling me that I am on their program. Has anyone else had problems with GM Mastercard and Household scamming them in this way. Ruth Ann Coats

	Jim EmailAddress: Jsaun16438@aol.com Complaint_against: GM Card Complaint: GM said that they did not receive my April payment. They charged a late fee and raised my interest rate from 0% TO 7.9%. They did waive the late fee, but would not change the interest rate back to 0%. I paid off the principle immediately and will not pay the interest. My credit rating is near 800 and I can weather the 7 years this will be on my credit report. Has anybody out there had a payment to GM Card "lost in the mail"? I find it suspicious that out of the last several hundred checks that I have mailed, THIS one was lost. I suspect GM (or Household) lost it.

	Longtime GM Card Member California Complaint against: GM Mastercard Complaint: After being a loyal GM card user for the past 13 years, I am ready to close the account. I have noticed a change with their billing procedures since the first of this year and I am becoming frustrated. It is reaching the point where it may be necessary to send all payments by registered mail to insure that they cannot levy a late fee or interest charges. After 13 years of paying the bill in full every month and never paying finance charges, it seems that I have been finding additional charges and penalties on my bill each month starting this past January, although I continued to pay my bill in full each month. My January payment was posted over 2 weeks after I sent it. In the past it would be posted within 2 days and it is still being sent to the same service center, located within one days Post. The first 12 years that I used this card I had only needed to contact their customer service people on rare occasion such as when I needed a card replacement or help redeeming points with the purchase of new vehicles. Now we are in contact every few weeks. To top it off, they notified me that they opened a new account (with additional benefits that I am not interested in) and transferred all of this months transactions to the new account while I have other transactions pending. This after I contacted them and they assured me that I could keep my existing account and not activate the new account if I so desired. I've had enough. After I pay off this months bill I'll be cutting up the cards. It's a shame, too, since I'd been accruing points towards the purchase of a new Cadillac STS. GM points had paid the tax and license on two new vehicle purchases in the past few years. It's not worth the aggravation. I've started looking at new Volvos and Audis, instead.

	Jim Ohio Complaint_against: GM Card Complaint: I am very upset that GM has reneged on its agreement with me. For 12 years, I have patiently followed the company's rules allowing me to earn credits toward the purchase of a new GM card. Now that I have almost earned the max - $3,500 - they have just changed the rules limiting me to $1,000. I deeply regret all the time and money I have invested in this agreement. The only reason I signed up for this type of card was because I wanted to use it the way GM promised. It is very disappointing that they are breaking their promise now that I am close to my goal. Don't buy their cars and don't use this card. GM can't be trusted to stand by their promises.

	BL Framington, New Hampshire Complaint_against: GM Credit Card Complaint: I just opened this month's bill-to my surprise, my minimum amount due almost tripled-why? they raised my interest rate from 16% to 29.9 %-I have never been late, and hardly ever used their card. I have tries calling, but get message that no one can take my call...and to call back later...

	Dave San Francisco Complaint_against: GM Card Complaint: Last month they sent me a new card with expanded services and a new account number. It had not been requested and I shredded it. When the monthly statement came it had the new account number on it and when I called customer service they gave me a sales pitch on the many new benefits the new card had. I told them I didn't ask for, nor did I want the new card and to change it back to my old account number. What were the idiots thinking ? Why would a person want to change their account number ? How would they like it if ATT called them up and said " Hi, we are changing your telephone number and giving you some new benefits, and by the way it is just what you need" . The second month the statement still had the new account number on it and I called again. I went through the same thing tha happend on the first call so I told them I would nevwr use the new account and when It expired I would be getting another card from someone else. Fork em.

	Nik Samuels Bloomfied Ohio Complaint_against: GM Mastercard Complaint: This card makes it very difficult to pay on time. They send statements late and have a WEB SITE that is anything but user friendly. It seems to be designed so that a person will make mistakes and incur late fees and transaction fees. BEWARE

	HOTHANDS5 GEORGIA Complaint_against: GM CARD Complaint: BEWARE OF THIS CARD WE HAD THIS CARD FOR 6 YEARS AND NEVER MISSED A PAYMENT UNTIL THEY FORGOT WHAT MY ADDRESS WAS. THEY CALLED MY HOUSE AND SAID I NOW HAVE NO CREDIT WITH THEM ANY LONGER. MY POINTS WERE ALMOST UP ENOUGH TO PURCHASE A TRUCK MY HUSBAND HAD BEEN WANTING. THEY WILL TAKE YOYOU FOR A RIDE.

	CS Indiana Complaint_against: GM CARD Household account Complaint: Used the web site to make a payment, added my checking account, the pull down defaulted to the first account which had't the funds, so of course I had a Insuficant funds, I call GM told them to stop , they cann't so they resumitted the check anoth ISF charge. I cancel my on-line but it did stop them from resumitting it again- would they waive the charge no, they at first said there would be only one charge- but they would be truthful. I am cancelining my card with 2400 on it to Hell with GM! Buy Ford or a Dodge.

	dl kansas Complaint_against: gm card Complaint: what a joke. canceled 2 years ago because they could not get my bills to my po box. all bills ( about 8) showed up around 3 monthslater.in one envelope after i canceled card, was tired of calling them and arguing about late fees when i could not get my bills delivered to my po box. so i decided to try them again for gm points, what a joke, didnt get my check ,all checks i mailed were recieved but the one i mailed gm card<<huh. so i pay on the phone with a check no. and call the bank to cancel other check and what ya know it has already been proceesed . it went through at mjdnight right after my phone deal was done just before deadline on acount seems very strange to me.the last chevy i owned 2005 truck leaked air so bad you needed a blanket to ride in it when it was cold ,and had to yell to talk at 65 mph so screw them i am done .dodge for me,
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	Nicole Complaint_against: GM card member services Complaint: I have excellent credit and back in February it was time to transfer my balance as I keep a 0% interest rate going. I received an offer from GM and tried to apply on-line, I received an error message at the end of applying that told me that the system could not approve app. at that I needed to call instead. So I called and went through the application process again, at the end of this call I was told that I was denied and that she was sorry but could not give me a reason. So I went on to the next company (Bank of America) whom have been great to deal with and completed my balance transfer. One month later I get a notice saying that GM went ahead and did a transfer on a balance that was no longer there. When I called to explain this they were shrewd and basically told me too bad and that I would also have to pay the $100 dollar transfer fee! I would never apply for a transfer with fee in the first place. This was not only an unaurhorized transfer is was not ! even for the original offer considered. Their crooks and after reading all the above complaints can't believe they are still in business. I'm also writing the CEO of GM and reporting to the BBB.
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	Ken Chicago, IL Complaint_against: GM Card Complaint: Received my billing statement for April 2007. Payment due date is on Sunday May 6th, 2007. Went online, Fri May 4th to make an electronic payment. Post date for every other day except Fri and Sat is the following day if posted before 4:00PM Eastern. I tried to make the payment so I would not be hit with a late charge but the only options are a $15.00 check by mail or a $15.00 rush payment. So my complaints/questions are: 1) Why can they have a billing due date on Sunday but be able to take a payment on Sunday? 2) Why is the only way to make a payment on a weekend billing date is through a rush or check by phone payment that has an additional charge? 3) Why can't they accept a payment the following day if it falls on a Sat or Sun.It doesn't seem fair that they can close the billing cycle on a Sunday but not accept a payment unless I pay an additional charge.
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	Sue Lisbon, Ohio EmailAddress: hooksu@mac.com Complaint_against: GM CARD Complaint: I transferred a balance to GM card, using the 4.99% for the life of the loan. Two months pass, I go to the website to make a payment and I notice the monthly minimun is almost three times more than previously. SICK, i check to make sure I didn't miss last months payment. NO, they had raised the interest rate to 32.9%. I immediately call, and someone, who I could barely understand, repeats over and over again that it is a business decision and no he didn't have a supervisor I could speak with. Finally he does have a supervisor and she repeats the part about a business decision and GM raises these rates to encourage people to send in larger monthly payments!! ARE YOU KIDDING ME? By that time I've lost my mind and this causes my husband to come running into the room. He calls GM and gets another woman who admits it was a mistake and it would be taken care. What if he hadn't called again? We pay way above the minimum every month. The month this happened, I had signed up for automatic monthly payments to keep from ever making a mistake and ending up with that awful interest rate. Was this a coincidence or did GM just try to sneak one in on us? Well folks it doesn't end there. I opened the bill this morning and what rate do I see? 19.9%. Of course I called and she politely explains they made a mistake and it would be taken care of, but don't be surprised if it doesn't show up next month......could take up to two months to get it changed over. BUT, they would refund all fees charged over the 4.9% Yeah, will see. SO I have marked those dates on the calendar so I won't forget and I'm spreading the word! Sue
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	Jay Complaint_against: GM Card Complaint: Well, GM has screwed me with the interest rate. I was at 16% and when I got married I had my name changed. At that time they raised my interest rate to 33%. What a joke. I will never buy a GM product and will never recommend this card to anyone!
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	theo thiele Lake Charles, LA 70616 EmailAddress: bayougator@aol.com Complaint_against: hsbc GM card Complaint: after my promotional rate ran out hsbc/GM card raised my interest rate to 34.24 % I called them and was told there were no other options for me at this time, I called a few months later and was told because after a credit report indicated that I had a high debt ratio and this put me in a high risk class I have had and used my card for over 5 years and have never missed a payment although I have been late a few times. I feel this is unfair and I am being taken advantage of by hsbc all my credit cards and bills are paid on time hope you can help Thanks Theo Thiele
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	Rey Atlanta, Georgia EmailAddress: tresramons@yahoo.com Complaint_against: GM Card Complaint: THESE PEOPLE ARE CROOKS!!! In February, responding to a mail offer from GM Card, I negotiated a balance transfer of $7,800 @2.9%, $150max., until paid on the telephone. I was shocked to observe on the internet a few days latter that the transfer had posted @ 30.24% with an over limit fee added. After several phone calls and two letters over the past months, they still refuse to change anything. Unwittingly, I continued to to pay the outrageous interest rate believing that GM Card would eventually make the correction. They did not, and I have only received one form letter that simply denighed my claim. I finally realized what kind of organization that I was dealing with and made a balance transfer of $7000 from GM Card to another Credit Card company. This company sent GM Card a payment of $7000 on June 28th and GM Card still has not credited it to my account as of today, August 2nd.They are holding out for another 30.24% gouging!!!
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	CJ Southfield, MI EmailAddress: johnson258@sbcglobal.net Complaint_against: HSBC - GM Card Complaint: Beware of HSBC - GM Card In an effort to pay off a high interest rate credit card, I applied for a GM credit card online. The incentives for the GM credit card were extremely appealing. I received an online message that my application was approved, however, I was not informed of the approved credit line, interest rate or any details related to the approved credit card with HSBC / GM. During the application process, I also indicated that based on the amount that I requested, I submitted information to request a balance transfer for the full amount of the other high interest credit card. Several days later I received the GM credit card in the mail with detail account information. To my surprise, I applied for a credit line for several thousand dollars to pay off the high interest credit card balance and I was approved for a credit line of a few hundred dollars and a higher interest rate. Once I learned of this deception, I did not activate the card and immediately called HSBC to cancel the card! . I notified the representative that I do not accept the card or the terms of the card. I also informed HSBC to cancel the card and any balance transfer. In short, I made several requests to close the account and insisted on a confirmation that the account was closed on the 25th of the month. They indicated that the account was closed, however, they refuse to cancel the balance transfer. I called them every day after the 25th of the month to request to cancel the balance transfer. I reminded them that I did not activate the card and that the account is closed. In addition, I sent an email to confirm my request to cancel the balance transfer. During the next month, on June 4, 2007, they submitted a balance transfer for most of the entire credit line. This account was closed on May 25, 2007 and they paid a balance transfer from a closed account. I am now being billed for unauthorized charges from HSBC. At this point, HSBC has added interest and additional charges. I! n addition, the balance transfer that I requested several times to cancel was applied to my high interest credit card account with another company and basically went to pay only the interest for the month. This is greed and needs to be stopped. I am fighting HSBC to the end. I have filed complaints with the FRS, FTC, Michigan Attorney General Office, BBB and I an charging them with damages. In addition, I have been a loyal GM customer and purchased a new vehicle approximately every three years. I will never purchased another GM vehicle or do business with any GM company or HSBC bank. They have loss a loyal GM customer over greed. Shame on GM and HSBC.
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	Gerald Tew Pelham, NY 10803 EmailAddress: a42na@sbcglobal.net Complaint_against: GM Credit Card Complaint: I mailed payments for 4 credit cards on the save day. Three accounts posted right away but the 4th (The GM card) still has not posted. I'm appalled at their practices. I paid the full amount. I called to get the amount owned after I sent the check. They gave me the amount and the next day I called and the amount was $30 more (charged for a late fee after called them for a 5 day extension) They are awful. Never experienced such bad business practices EVER!
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	ED Bartlett, TN 38134 EmailAddress: qqsl00king@aol.com Complaint_against: GM CARD Complaint: I accepted a GM CARD in 2003 with an introductory APR of 4.6% on purchases. I have NEVER been late with this card or any of my other creditors. On the terms and conditions it states that they can change your APR at any time for any reason. Last year I paid it off and a month later, for whatever reason, my APR went up to 32.9%. Does this make any sense? Never late with a payment and now a zero balance, I think this "valued customer" deserves an APR hike just because we feel like it. GM Card's definition of "valued customer" is obviously different than my definition. Congress needs to step up to the plate and regulate this industry. I am a vicitm of their abusive practices, I truly do not deserve this kind of treatment when I have good credit. I really need to send ALL of these complaints to my congressman, I am not happy that congress has not done anything about this since they had the hearings in March 2007.
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	H. S. B. Card Orlando, Florida 32861 EmailAddress: if-youseeme@hotmail.com Complaint_against: GM Card Complaint: Have had a GM card for over eight years with a credit line of $14,000 and never have been late on a single payment. I had a balance of just over $11,000 when I received a notice that my interest rate was being jacked up to 32.99% and to mail in a letter "opt out" if I did not agree with this change. I mailed the letter and paid off the balance in full simultaneously. The next letter I received stated that my opt out letter had been received too late (that was a lie, it was mailed two weeks prior to their deadline) and then I received another letter stating I should ignore the previous letter and they were now accepting my opt out and the interest rate would not change. Then they closed the account. They are able to legally steal the $1900 in existing credits I have presently earned toward a GM vehicle purchase. The credit card industry gave $8 million to politicians last year and they definitely have received their money's worth. We can proudly state that we have the best politicians that money can buy.
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	CH Chicago Complaint_against: GM CARD Complaint: In looking at the Feb08 statement I noticed a interest rate of 30%. As a top tier credit score individual I thought this was a mistake and called and spoke to a nice but unhelpful India call center and was transfered back to the US to be told a payment was received one day late(New Years Holiday) So after 7 years of on time payments I was a high risk(I do not carry a balance). After this less then plesent experience I wrote a check and will never do business with GM again. I have to buy a new car in a month and will not buy GM or ever use a GMAC service again