Consumer complaint received 2016-08-31
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: U.S. BANCORP (IL)

I have XXXX Fidelity Visa cards issued by ElanXXXX Bank. XXXX account, ending in XXXX, was a new account opened directly with US Bank when Fidelity switched card issuers. The second account, ending in XXXX, was transferred from the previous Fidelity card issuer, XXXX/Bank XXXX. I have several issues related to my XXXX accounts for which I have not received satisfactory resolution from customer service. 

1. The account ending in XXXX has a substantial balance on a 0 % APR promotion. My Elan statements show the promotion expiring in XXXX. The original promotion terms with XXXX stated the 0 % rate was good for 18 months, which would make the end date XXXX. Please update your records and ensure the promotion ends on the correct date. 

2. XXXX Account shows a negative rewards points balance. The balance should be XXXX because since the last time I cashed in my points, the only transaction that has taken place is the aforementioned balance transfer. Please update. 

3. I had previously applied for a credit limit increase on the XXXX account and was told that I have already been granted the maximum credit limit possible of XXXX. The XXXX account was transferred from XXXX with a credit limit of XXXX so clearly limits larger than XXXX are possible. Please explain why XXXX credit limit increase request was declined and please raise the credit limit on XXXX account accordingly. 

4. If raising credit limit on XXXX is not possible then I would like to combine the credit limits of both accounts into XXXX. Please note that I do *NOT* want to combine accounts until the 0 % balance on XXXX is paid off so that I do not mix balances with different interest rates and secondly, I would like XXXX to be the surviving card since I have many recurring transactions scheduled to be charged to that account. Again, I do not want to do this until the promo APR expires, I 'm merely asking if this will be possible. 

5. I was charged some foreign transactions fees on XXXX. I was under the impression that there are no foreign transactions fees on this account. Can you please credit the account for these fees? Additionally, could you please explain how the foreign exchange rate is calculated and whether the current rates are available online or elsewhere for review? 

6. As you can see from my account history, I use XXXX heavily as my primary credit card. At times, the assigned credit limit has not been enough. It 's my understanding that XXXX XXXX cards have a 'soft ' limit that allows transactions equal to twice the revolving credit limit to be charged. This has not been my experience. While you have allowed me to exceed my credit limit, it 's been rather arbitrary and has lead to embarrassing declines at points of purchase. Can you please explain how this soft limit policy works? 

7. I always pay my XXXX account in full each month. Due to bank error, the XXXX payment did not post so I had to schedule a same day payment of {$250.00} to avoid non-payment and related fees. The error has now been corrected and the full payment of XXXX has posted. Could you please make an exception and waive the interest charges I was charged ( and may be charged on the next statement ) as a courtesy? 

8. The balance on the XXXX statement for XXXX is XXXX. Not accounting for fee and interest credits I 've requested above or any new charges since the last bill, if I subtract the XXXX payment that posted late and the {$250.00} same-day payment I made, I am left with a balance of {$3800.00}. Please confirm that if I pay this amount by the due date of XXXX/XXXX/XXXX, my account will be back on track, i.e., it will be the same as having paid in full in both XXXX and XXXX and that no additional interest charges will apply ( unless of course I do n't pay future charges in full before the due date ). 

Thank you.