I would like to file a professional and personal compliant against "GE Money Bank", who carries the credit for Sam's Club.

Their credit criteria and treatment of the Sam's Club consumer is outrageous.

Sam's Club markets to the "Small Business Consumer" yet uses the most difficult means of issuing credit to their clientele.

Who is really the winner here?

Their "Business Credit Card" interest rates are the highest I have experienced.If you do not ask for consideration of a reduction in the rate, you do not get it. Currently they are charging 27.49%. If you plead and beg you might have it reduced to 13%, which is terrible for small business.

If you miss one (1) payment you are put into delinquencies and harassed at home or your business for payment.

Then you have to show six (6)consecutive payments on time to go back to the interest rate you had to beg for in the first place.

I believe they, GE Money Bank, have a "List" of consumers that are tracked by them for "problems in the past".

For example, they are also the Credit carriers for The Gap, Banana Republic and all of their stores. If you have ever had an "issue" with any of their credit alliances you are on this list, knowingly or unknowingly.

I am self employed and live in South Louisiana, I have had "issues" prior to and since the Hurricane.

When they call your home, they "block" the call, and use harassing and intimidating measures to find you.

They do not inform you the call is being recorded. You are told by the caller that you are in "Collections" for one (1) past due payment on a bill that totals $713.16.

Do not do business with GE Money Bank. Ask questions before you sign that credit application with all of those smiling faces at Sam's Club. The winner is Sam's Club and GE Money Bank, not the consumer.

Maria McLellan