"Paying Online"
Tribute® Gold MasterCard® Credit Card Review
Written by: susie levier on 2007-10-13
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
susie levier 's review: 
Your customer service reps or so very rude not one of them but the majority of them. I tried to pay my bill online and they said invalid and I called customer service about 5 times and got rude people each time trying to tell me I don't know how to use the computer. Last month I paid my bill on-line and this month I'm having so many problems and all they tell me is keep trying or get charged 14.95 that is very sad that you have to pay this high about to pay your bill on the telephone through automated service. You guys need to change that or please fix it where the online bill pay is working and fire those customer service reps because they are rude a** people.
Your customer service reps or so very rude not one of them but the majority of them. I tried to pay my bill online and they said invalid and I called customer service about 5 times and got rude people each time trying to tell me I don't know how to use the computer. Last month I paid my bill on-line and this month I'm having so many problems and all they tell me is keep trying or get charged 14.95 that is very sad that you have to pay this high about to pay your bill on the telephone through automated service. You guys need to change that or please fix it where the online bill pay is working and fire those customer service reps because they are rude a** people.5 Comments
Comment 1 by michelle
I Have A Tribute Card And... 
on 2007-10-14
I never have problems paying my bill online infact it's really easy for me. I'm not sure why you are having trouble. Hopefully you get it figured out soon :)
on 2007-10-14 I never have problems paying my bill online infact it's really easy for me. I'm not sure why you are having trouble. Hopefully you get it figured out soon :)
Comment 2 by windskyair
STAY AWAY.... FAR FAR AWAY on 2007-10-22
To Whom It May Concern:
Earlier this year, I obtained a Tribute Mastercard. As I have had poor credit (due to a cancer diagnosis), it was the best way for me to rebuild my credit.
I made my initial payment in April. Then again at the end of May, I made a payment of $40.00. I assumed that the payment would cover both May and June. However, towards the end of June,
I received a call from one of the Customer Service Reps. It was a gentleman. He informed me that I was behind on my payment. I told him that I had made a payment at the end of May of $40.00 and since my bill was $20.00 a month that should have covered me.
The gentleman I spoke to said that because I made it before the posting date it counted towards my balance and not the next months payment. He stated that I needed to pay $60.00 to bring my account current. I asked him what if I paid $100.00. He said that I would not have another payment due until September 7, 2007. I then made the $100.00 payment.
Towards the middle or the end of August, I received another call from another Customer Service Representative who stated that I had late fees and now an over limit charge as I had not made payment on August 7, 2007. I explained that the gentleman I talked to in June had said that I would not have another payment due until September 7, 2007. She then promised to have a supervisor call me back.
The supervisor called me back and apologized stating that she would have the late and over limit fees waived if I could make a payment that day. As the gentleman I had spoken with had gotten his dates confused. I then made another payment and asked when the next one would be due. She said that it would be due on October 7, 2007. She also said that I should write it down. Which I did.
On October 4, 2007, I went online to pay my payment. I noticed that not only were the over limit fee and late fee still on from August, but I was then charged another over limit fee in September. I emailed your company numerous times asking for a resolution. I indicated that I would not pay until someone was able to resolve the issues that keep happening with my account.
I received no reply until I emailed again on the 5th. I have attached copies of the emails to this letter. When it was apparent that there would be no resolution to my email regarding the August fees (that were already supposed to have been waived) and the September fee, I placed a call after hunting down the phone number on the web. (It is not listed at the www.Mytributecard.com website.)
The supervisor that I spoke with that day finally told me that the August fees would be waived. But now they added October fees, though I tried to clear the account before my due date. When I asked about that, the lady told me they could not waive the fees. I think this whole mess is unreal.
I have contacted you and every time made a payment in good faith that the account would be resolved. As yet, it has not. It is a matter of principal and your company is not acting with good principals at this time.
In addition, when I asked for copies of my statements, because when I checked online- it said that they were not currently available, I was told that I could get them for $5.00 a sheet. I told the lady that since they were not available online and I have never received one in the mail, they should provide them to me at no cost. She stated that she would do that with one sheet and that was all. Then the funniest thing happened this weekend, I received the statement for October 2007 that I had never received prior to me calling and complaining that I havent received a statement.
I would really like to pay this account payment, but I would your company to show some of the good faith that I have shown to you. Please remove the October and September late/ over limit fees so that my account will finally have the resolution that it should have had a long time ago.
FYI- I have been the Customer Service Manager for several different companies over the years and I would have to say that some of your representatives are seriously lacking follow-through skills and the simple ability to listen to what their customers are actually saying to them.
on 2007-10-22 To Whom It May Concern:Earlier this year, I obtained a Tribute Mastercard. As I have had poor credit (due to a cancer diagnosis), it was the best way for me to rebuild my credit.
I made my initial payment in April. Then again at the end of May, I made a payment of $40.00. I assumed that the payment would cover both May and June. However, towards the end of June,
I received a call from one of the Customer Service Reps. It was a gentleman. He informed me that I was behind on my payment. I told him that I had made a payment at the end of May of $40.00 and since my bill was $20.00 a month that should have covered me.
The gentleman I spoke to said that because I made it before the posting date it counted towards my balance and not the next months payment. He stated that I needed to pay $60.00 to bring my account current. I asked him what if I paid $100.00. He said that I would not have another payment due until September 7, 2007. I then made the $100.00 payment.
Towards the middle or the end of August, I received another call from another Customer Service Representative who stated that I had late fees and now an over limit charge as I had not made payment on August 7, 2007. I explained that the gentleman I talked to in June had said that I would not have another payment due until September 7, 2007. She then promised to have a supervisor call me back.
The supervisor called me back and apologized stating that she would have the late and over limit fees waived if I could make a payment that day. As the gentleman I had spoken with had gotten his dates confused. I then made another payment and asked when the next one would be due. She said that it would be due on October 7, 2007. She also said that I should write it down. Which I did.
On October 4, 2007, I went online to pay my payment. I noticed that not only were the over limit fee and late fee still on from August, but I was then charged another over limit fee in September. I emailed your company numerous times asking for a resolution. I indicated that I would not pay until someone was able to resolve the issues that keep happening with my account.
I received no reply until I emailed again on the 5th. I have attached copies of the emails to this letter. When it was apparent that there would be no resolution to my email regarding the August fees (that were already supposed to have been waived) and the September fee, I placed a call after hunting down the phone number on the web. (It is not listed at the www.Mytributecard.com website.)
The supervisor that I spoke with that day finally told me that the August fees would be waived. But now they added October fees, though I tried to clear the account before my due date. When I asked about that, the lady told me they could not waive the fees. I think this whole mess is unreal.
I have contacted you and every time made a payment in good faith that the account would be resolved. As yet, it has not. It is a matter of principal and your company is not acting with good principals at this time.
In addition, when I asked for copies of my statements, because when I checked online- it said that they were not currently available, I was told that I could get them for $5.00 a sheet. I told the lady that since they were not available online and I have never received one in the mail, they should provide them to me at no cost. She stated that she would do that with one sheet and that was all. Then the funniest thing happened this weekend, I received the statement for October 2007 that I had never received prior to me calling and complaining that I havent received a statement.
I would really like to pay this account payment, but I would your company to show some of the good faith that I have shown to you. Please remove the October and September late/ over limit fees so that my account will finally have the resolution that it should have had a long time ago.
FYI- I have been the Customer Service Manager for several different companies over the years and I would have to say that some of your representatives are seriously lacking follow-through skills and the simple ability to listen to what their customers are actually saying to them.
Comment 3 by paula
Re: Windskyair on 2007-10-22
Wow, sorry to hear that you had such a rough time with your payments. The customer service rep who you spoke to was not educated enough to tell you that you cant make advancement payments on a MasterCard account. Just one bit of advice that may help clear up the confusion regarding your advance payments. Any extra payment that you send in to a MasterCard account (any & all MasterCard account and not just this one) above the minimum payment will be applied to the account balance only and will not be applied to any future payments. No matter what, even if you pay more than whats required you will always have a minimum monthly payment due on a MasterCard. Visa on the other hand is different, if you send in more than the required payment; it will roll over to your next months payment sometime resulting in you not having to make a payment for the following month. Hopefully you can get them to refund your over limit and past due fees due to the incompetent customer service rep.
on 2007-10-22 Wow, sorry to hear that you had such a rough time with your payments. The customer service rep who you spoke to was not educated enough to tell you that you cant make advancement payments on a MasterCard account. Just one bit of advice that may help clear up the confusion regarding your advance payments. Any extra payment that you send in to a MasterCard account (any & all MasterCard account and not just this one) above the minimum payment will be applied to the account balance only and will not be applied to any future payments. No matter what, even if you pay more than whats required you will always have a minimum monthly payment due on a MasterCard. Visa on the other hand is different, if you send in more than the required payment; it will roll over to your next months payment sometime resulting in you not having to make a payment for the following month. Hopefully you can get them to refund your over limit and past due fees due to the incompetent customer service rep.
Comment 4 by awakening
Making Payments Impossible on 2009-04-18
I am very dissatisfied with this company. I resent having to pay 15$ to call in my payments. I am a traveling nurse and move every 13 weeks so it is difficult to deal with Tribute as they always want my zip code. Well I may have 4 zip codes in a month. I over pay my bill every month. I pay my card off often. I was told by the customer service people I would not be reported for 5 days late
as I had been told by the previous months service person my due date incorrectly. I feel angry that I am reported to 3 agencies for 5 days late and not early or good customer.
I resent being told something that was not true and I resent being carged a fee and then being reported.
I am going to close this account.
on 2009-04-18 I am very dissatisfied with this company. I resent having to pay 15$ to call in my payments. I am a traveling nurse and move every 13 weeks so it is difficult to deal with Tribute as they always want my zip code. Well I may have 4 zip codes in a month. I over pay my bill every month. I pay my card off often. I was told by the customer service people I would not be reported for 5 days lateas I had been told by the previous months service person my due date incorrectly. I feel angry that I am reported to 3 agencies for 5 days late and not early or good customer.
I resent being told something that was not true and I resent being carged a fee and then being reported.
I am going to close this account.
Comment 5 by hjm331
RE: on 2009-04-18
You should make payments to your Tribute card using the bill pay feature on your checking account.
on 2009-04-18 You should make payments to your Tribute card using the bill pay feature on your checking account.
Please login or register for free to view your stats, add reviews and card application results, or post comments.
Credit card reviews and comments are posted by user submission and do not warrant the opinions of Finance Globe.
Disclaimer: This content is not provided by First Bank of Delaware. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by First Bank of Delaware. Review content is powered by Finance Globe.
Disclaimer: This content is not provided by First Bank of Delaware. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by First Bank of Delaware. Review content is powered by Finance Globe.
