Avantllc

I have many credit cards, and some charge a yearly fee. I would much rather pay a yearly fee than put up with this limited company, which makes up for the fee by charging you for late fees you don't deserve.

My family and I ran into problems with this company when we tried to pay right before Christmas. It couldn't be helped. That's when we got paid. The company stopped answering their telephones on the twenty third, so our payment was late.

Since their website was not working either, the following month, we attempted to send out a check to them, only to discover that they had changed their address without telling anyone at all. So, we received the check back in the mail.

When I called to complain and pay the bill this time, I was put on hold for one entire hour. I asked the supervisor there to help me by, oh, taking a bit of responsibility for their company's shortcomings and limited option and at least forgive the late payments. After all, we have a pretty good payment record with them.

I found out that instead of being able to submit two requests, he could only submit one. I also found out that he submitted the reason why the payment was late for Christmas, not answering the phones, for a request for January, they moved and did not tell anyone.

If you are in a coma, according to this company, it is your fault. They will never, ever forgive late fees even when it is their fault.

On top of that, if their website isn't working and they won't answer their phone, you're pretty much screwed, because they will blame that on you too and charge you a fee.

Finally, even though they don't have a yearly fee, I have made up for that in paying them late fees I didn't deserve. They do not have an electronic signature, so my bank cannot send the electronic payments. They do not have an automated phone service where you can make payments 24 hours a day like, oh, normal credit card companies.

This company just sucks. They offer no options to pay. It's like owning credit cards in the stone age. I lost $78 because their business structure is terrible and offer limited options to pay bills. I would rather pay a fee knowing that every time I need to pay a bill, I will be able to pay it without fail instead of being forced to pay late fees that I don't deserve to pay.

When we pay off this card, I am seriously considering dumping them on their a$$.