Anonymous:

If I get no response, I believe a class action suit is in order by an Attorney or just get an attorney to handle these various complaints on the message boards.

Surely you jest.

 

Complaints on a message board rarely discuss anything that is actually tortable, and what you are describing is among the least tortable of the gripes being pouted about.

 

You cancel the card, you cancel everything that goes with the card.  You refuse to accept the change in their terms, you cancel the card. ... and then everything that goes with it.

 

I know reading contracts, particularly those written by lawyers or CPAs, or in the case of credit card companies, lawyers AND CPAs, is never fun, and in fact I have never read mine [but I'm related to loyyers and my wife is a CPA, so I just claim ignorance and hand the paperwork off to them-all], but you signed up for it.  You can't go around whimpering about breach of contract when they're only doing what they said they'd do if you cancelled the card.

 

As difficult as this may be for you to believe, but the mortgage thing has caused quite a number of people -- besides those who should never have gotten a mortgage loan -- to default on a number of their debts because those institutions which should never have certified those mortgages for the people who should never have gotten them have had to call in loans and favors and otherwise stop the flow of money, and even responsible financial institutions -- like Barclay -- have had to cut back on credit lines in order to make their potential debt look safer. 

It ain't just you the world revolves around.

 

Take a deep breath and if you don't like the way revolving credit works today, pay in cash.

If you paid it off almost every month why would you have to pay interest? We have the seamiles card and we do pay it off every month and I have never paid interest I couldn't even tell you how much the interest is because I don't intend to pay any!!! I also have a charge card with Mickey Mouse on it but I don't blame Mickey for the interest on that card!!!  just because a firm or person has their name or logo on your credit card does not mean they are responsible for it. The seamiles card is no worse or better than any other charge card.

T HANKS SOOO MUCH FOR THE HEADS UP..........I TRIED TO PUT MY DENTAL CROWN ON MY NEW CARNIVAL CARD   $2000.......I WAS SOOOOOO EXCITED ONLY TO FIND THAT I HAD A $250. HAHAHAHAHAHAHA.............LINE OF CREDIT...........WHAT A HOOT..................OH WELL.............GUESS I WON'T BE GOING ON ANY CARNIVAL CRUISES...................THANKS AGAIN................MARY D IN METAIRIE, LA

Are you impaired in some fashion or fabricating this story?  You really want us to believe you didn't know the limit on your card before you went to the dentist (if you really have one, of course)?

I don't believe you.

 

Suzie

The seamiles card is a farce. Allow me to explain. I was told, while on ship, that as soOn as I was approved, all of the charges to my Sail And Sign account would be transferred from the credit card that was registered for Sail And Sign to my new Seamiles card. This way I would be awarded double points for all of my Sail And Sign charges. After the cruise, and when I had my Seamiles card in hand, I called the bank to request the promised transfer. And, LO AND BEHOLD, the bank wanted to charge me a 3% transfer fee! That would have been about $27 for something that was being touted as an automatic benefit. This, to me constitutes a misrepresentation that verges on false advertising. I urge Carnival to change bank affiliations, as this Barclay's is rip-off central. Needless to say, I ordered the telephone rep from Barclay's to close my account, and to send me a letter of closure. THE SEAMILES CARD IS A FRAUD. CARNIVAL, TAKE NOTE: YOUR AFFILIATION WITH THIS BANK NEGATIVELY IMPACTS ON YOUR REPUTATION.

Mrwea:

The seamiles card is a farce. Allow me to explain. I was told, while on ship, that as soOn as I was approved, all of the charges to my Sail And Sign account would be transferred from the credit card that was registered for Sail And Sign to my new Seamiles card. This way I would be awarded double points for all of my Sail And Sign charges. After the cruise, and when I had my Seamiles card in hand, I called the bank to request the promised transfer. And, LO AND BEHOLD, the bank wanted to charge me a 3% transfer fee! That would have been about $27 for something that was being touted as an automatic benefit. This, to me constitutes a misrepresentation that verges on false advertising. I urge Carnival to change bank affiliations, as this Barclay's is rip-off central. Needless to say, I ordered the telephone rep from Barclay's to close my account, and to send me a letter of closure. THE SEAMILES CARD IS A FRAUD. CARNIVAL, TAKE NOTE: YOUR AFFILIATION WITH THIS BANK NEGATIVELY IMPACTS ON YOUR REPUTATION.

First off, while on the ship, you have to REQUEST the transfer, it is not automatic, and you get a confimation letter delivered to your stateroom saying that you have been approved.  Because it didn't specifically mention my balance had been transferred, I did check the desk. (And yes it had been).  Once off the ship, I logged into the bank and the seamiles site(which is really through Chase bank as are most point credit cards of any type). No extra transfer fees, nothing they did not promise or nothing I did not expect.  And the miles were doubled.  If you got a charge perhaps it was due to the fact you did not request the auto transfer, and were indeed transferring from one credit card to another after the fact. 

And for the person that only had $250 credit line, you must have really bad credit or some bad marks somewhere, because I was issued a $10K on the ship and upped it to $25k when I got home.  You may want to get a copy of your credit report and see what is wrong!..

Mrwea:

The seamiles card is a farce. Allow me to explain. I was told, while on ship, that as soOn as I was approved, all of the charges to my Sail And Sign account would be transferred from the credit card that was registered for Sail And Sign to my new Seamiles card. This way I would be awarded double points for all of my Sail And Sign charges. After the cruise, and when I had my Seamiles card in hand, I called the bank to request the promised transfer. And, LO AND BEHOLD, the bank wanted to charge me a 3% transfer fee! That would have been about $27 for something that was being touted as an automatic benefit. This, to me constitutes a misrepresentation that verges on false advertising. I urge Carnival to change bank affiliations, as this Barclay's is rip-off central. Needless to say, I ordered the telephone rep from Barclay's to close my account, and to send me a letter of closure. THE SEAMILES CARD IS A FRAUD. CARNIVAL, TAKE NOTE: YOUR AFFILIATION WITH THIS BANK NEGATIVELY IMPACTS ON YOUR REPUTATION.

First off, while on the ship, you have to REQUEST the transfer, it is not automatic, and you get a confirmation letter delivered to your stateroom saying that you have been approved.  Because it didn't specifically mention my balance had been transferred, I did check the desk. (And yes it had been).  Once off the ship, I logged into the bank and the seamiles site(which is really through Chase bank as are most point credit cards of any type). No extra transfer fees, nothing they did not promise or nothing I did not expect.  And the miles were doubled.  If you got a charge perhaps it was due to the fact you did not request the auto transfer, and were indeed transferring from one credit card to another after the fact. 

And for the person that only had $250 credit line, you must have really bad credit or some bad marks somewhere, because I was issued a $10K on the ship and upped it to $25k when I got home.  You may want to get a copy of your credit report and see what is wrong!..

Beverly, they did the same thing to me but I never received the letter for opting out. They just told me over the phone that it was because I was late one month but they couldn't tell me when. I've looked on my past statements for the last 2 years and I've never been late. I have a lot of money on this card and because of the economy, I can't transfer it off of there. I'm paying a huge amount in finance charges every month. I have over 100,000 points right now and don't want to lose them. I found out that I can only get a bunk bed room with my points for 2 people for next Aug/Sept...They are a total scam and I think someone should get a lawyer invloved for a class action law suit. To top it all off, they just decreased my limit and because I just used this card and got the notice today of the limit being lowered, I will probably go over my limt and they will charge me a fee for that. I do not recommend anyone getting this card.

The credit limit & approval is a joke.   My wife & I, both have a good credit score (mid 700's).   I was declined for credit and my wife was given a credit limit of $500.  We have had this card for about 18 months.   The only problem I have is that Barclays holds payments for up to 10 days due to multiple payments made in a billing cycle. Payments are always made online through their website.

One thing I did discover in reading the fine print, the seamiles do expire after 5 years of being earned.  So if you do not use the card that often, the promotional 5000miles will be wiped out after 5 years.  After 18 months, we have over 19,000 miles (halfway to a 5 day cruise).

why would you even care?  it's a credit card, they are advancing you money- so it's a service their giving you.  i've never understood people who think everything is owed to them such as a credit card company should give them everything they want. if you don't like the terms of a card, drop it and get another. if you don't like credit card companies all together don't use them!  half the problem with today's economy is that people spend money they don't have anyway.  next time, use cash and you'll save yourself the headache

cruisefan99:

why would you even care?  it's a credit card, they are advancing you money- so it's a service their giving you.  i've never understood people who think everything is owed to them such as a credit card company should give them everything they want. if you don't like the terms of a card, drop it and get another. if you don't like credit card companies all together don't use them!  half the problem with today's economy is that people spend money they don't have anyway.  next time, use cash and you'll save yourself the headache

cruisefan99,

The lure of this particular card is the seamiles for a free cruise.  Everyone already knows what you stated.   The original poster is asking if any one is having problems about the card.  Dealing with this type of card/company is a game.   Currently, Barclays, in general, is winning (not fairly).  Barclays is not providing the benefits as it was stated when the accounts were opened.  

Barclays teamed up with Carnival (no blame to Carnival) to catch hopeful future cruisers with a deal to get a free cruise.   This is the same tactic credit card companies trap college students on campus.    

As for my wife and I in the 18 months of having this account, we have not paid any interest.   Even though the credit limit is $500, we still charge around $800 to $1200 month on purchases.  This is the reason why I have multiple payments in a billing cycle.   Currently, in my little game with Barclays I am winning the battles and trying to win the war by getting to 40,000 seamiles for a free cruise.  We are halfway there. 

 

 

Yes, I have taken four fun cruises as well..and was getting ready to book another when my phone rang from some credit co who said I still owed a bill from 2005.  After a long chat and I wanted to understand how and why I had not been contacted???? The bill had gone up another couple of hundred dollars.  It turned out that Sea Miles and Barclays seem to be related..or working together.  I thought I would call the cruise line and I called Carnival.  i had to speak with four different people and it came down to not one person wanting to help accept giving me the number to the sea miles where I could pay this bill. Once I got there the guy said this was the Barkley Bank..?  The dates of the cruise did  not match with what Carnival said.  Hum...but the price keeps going up from 377.  to 520.00 on a cc I didnt realize I had owed more on..??  I think it is all one and this is a way of making money. If you dont get a bill and they can hold it for a couple of years to four or five and kit you back they are making interest like a bank..right?  Kinda a cd in away..wait and makem pay..Im no brain child with math but I bet lots of money is made on this kind of deal. Booking a cruise is not what is on my mind this evening..the bank and sea miles took all the fun out of thinking about a cruise. If you are taking a trip..ask if you can use your own cc..and if not..pick another way to travel.
Dont buy into the cc.  I thought when we got off the ship we were good.  Not one bill came.

We had problems with our card, there was an unauthorized charge for $50.00, Barclay kept sending a statement to an unattended e-mail account,  they sent the statement for months and months without our knowing.  When we finally were notified of the balance it was up around 150.00---we tried to explain that they were sending a statement to an e-mail account that we did not authorize,  they didn't care.  So we paid the 150.00 over the phone they charged us 16.95 to take the payment over the phone, and they told us that they could not send us a copy of the charge, only that there was a charge at a restaurant...because it was too old.  Even after months and months of trying to resolve this, they reported to the credit agencies, and it had a negative effect on our credit score.  Needless to say we no longer have this card.    

you should certainly NOT just let his be. You should call/write to your state Dept. of Banking, Better Business Bureau, state attorney general's office. Why should you allow these theives to spoil your credit rating??

November 4^th, 2009

 

Attn:  Card Services submitted via fax 1-866-823-8178

          Carnival Sea Miles submitted via fax 1-866-823-8178

          Carnival Cruise, submitted via web page www.carnivalcruise.com

          Barclay Cards and/or Juniper Credit, via web page

          Better Business Bureau, via web pagewww.bbb.org

          Currency Controller, via www.helpwithmybank.gov

          Banking regulators via www.ftc.gov

 

Re: Abuse of Power

      My Credit Card Account # ending 4644

  

To Whom It May Concern:

 

October 16, 2009 at 9:13pm I made a payment via the internet in the amount of $1,233.00 for my credit card balance, understanding that I may incur a late payment penalty, which could not have been avoided. 

 

November 3^rd, 2009 I rec’d the attached letter (please excuse my notes) in regard to increase in APR to 28.24% due to late payment.

 

November 4^th, 2009 I called and spoke with James at 1-866-255-1304 who referred me to Keiko who then referred me to her supervisor Vicki Gutierrez who then stated that her supervisor was Sara Del Conte who did not receive phone calls/complaints but was advised that she would email her supervisor and Sara would return my call within 72 hours.  This large amount of my time was wasted, on the phone with customer service who could not service me: no resolution in this matter.  I was only reminded that I have been lucky to be serviced by your company and that I am not considered an individual but just revenue to your company. 

 

*During my conversation with Keiko and then again with Vicki they both stated “You typically pay your account in full so the increase of your APR will not affect you” well in response to that…if it will not affect my account or payments then why will you not keep it at the same APR, not increase it and or show me that I am a customer that you are wanting to keep and reduce my APR?? 

  Notes and Issues: 

     I have been a client of yours since 2005

 

     During this time I have had 2 late payments

 

     These two late payments were one day late (both)

 

     During 2005 to 2009 I have always paid more than minimum payment

 

     Majority of time I have paid my account in full

 

     During this time period my credit score has increased over 100 points, I have never

     rec’d a decrease in APR, for good payment history and or increase in credit score

 

     I have paid roughly $15,000 to your company from 2005 to present, which is an

     average of $3,750 a year, which your company and Carnival Cruises will be lacking in

     profit and income, once my account is closed

 

     I will not be facilitating Carnival Cruise’s once my account is closed due to the

     business relationship which has decided to penalize me with a late payment AND an

     increase in APR due to my second late payment.  Where is 3 strikes your out and or

     some common courtesy??

 

     During these times of economic downfall one would presume that a banking facility

     and or a credit card service would not double jeopardize a good client by double

     penalizing (increasing APR and assigning a late fee)

 

     A company that would like to keep their good clients would be willing to work with a

     client of good standing not double penalize

 

     This issue of double jeopardy is costing the Carnival Cruise Lines, and said previously

     stated banking intuitions

 

     Due to the lack of responsiveness to me, a good client, will/is result in my vacations

     and family/friends vacations not including your above stated companies.  I will be,

     once my sea miles are addressed, finding other means of vacations, cruises and credit

     services

 

I am extremely upset that a credit card company, who I have diligently paid and used for my vacation and personal expenses for 4 years, has decided to increase my APR for a minimal error. 

 

It is a shame that I will have to do business with other travel companies and credit card companies due to your desire to drain your good clients for every penny available with in your limits and guidelines. 

 

Once I have addressed my sea miles, I will then be addressing my account with you and I am sorry that your greed has lost you money in the long run.  If there is any way of fixing these issues, please contact me at your earliest convenience other wise I will be peruse reporting the actions and unwillingness of your services.  

 

I hope that this letter shows the departments such as the Controller of Currency and the banking regulators that credit card companies are not worried about taking care of their good clients while assisting and keeping their clients but rather how to take advantage of and mistreat the American Citizens who have credit and who have bailed them out already.

 

Sincerely,

   

Sunraina Carrillo