Went to PNC because they handled Freddie MAC/Fannie Mae Mortgages -
OK - banking officer suggested I apply for a VISA card because new home - expenses - 12 mos. interest free - OK !! I set up - paid for some expenses - Busy - Set up Auto Pay for min. payment was going to pay off whole thing within 12 mos. - Found out even though I didn't receive any statements or notice - THAT THEY WERE CHARGING ME INTEREST ON A PURCHASE FROM THE 6TH MONTH - Upon Calling I got the Snotty Remark I should have read the very clear disclosure statement - I said I was sold the CARD - during the hectic moving process and was told it would be 12 mos. interest free - that I didn't feel I had to sit down and read a 20 page fine print contract if the Financial Rep at the bank said it would be 12 mos. interest free - (turns out 12 mos. interest free on a Transfer - 6 mos on purchase) - said having an MBA - from an Ivy League School - I could read the contract - but if I ask and am told it's 12 mos. interest free - and I'm approached during a busy time like moving - I would assume I could trust the Verbal Explanation - PNC CUSTOMER SERVICE REP. AND SUPERVISOR - said read the Disclosure - THIS BANK IS FOR THE BIRDS - I suggested the least they could do is offer some form of credit - and my intent to avoid paying 23 percent APR was clear that when I found out for the first time their interest I PAID THE WHOLE BALANCE OFF IMMEDIATELY -
No Dice - I JUST SAID FINE - I'M GOING TO WRITE MY ELECTED OFFICIALS AND POST ALL OVER ABOUT THEIR LITTLE SCAM - AND SNOTTY - BAD ATTITUDE - Probably - Just Told - This is the Line - You Give Customers if you want to Keep Your Job ! A pity but that's what seems to be common place business practice - you loose a couple of customers and you rope another 5 in!!! JUST DOING MY BIT TO KEEP PEOPLE FROM GETTING ROPED! CAVEAT EMPTOR!
I am farely new to PNC Bank, and I was in a pickle with someone cashing a check way before they were supposed to. I had a bunch of nsf fees and PNC bank helped me out and waived them all. I couldn't stop crying for all the kindness, I plan on sticking with this bank for a long time!