Is Chevron Credit Card a Scam?
With gas stations coast to coast, it comes as no surprise that the Chevron credit card is one of the most widely issued gas cards in America. But be warned… before you fill out an application to get your own, there are a few important things you should know. Is the card a scam? No, it is not (despite what some people have alleged, to the best of my knowledge what they’re doing is completely legal). But is the Chevron gas card a good way to save money? No, and here’s why…
Understanding the different card offers…
Chevron includes Texaco (they acquired the company in 2001) so they issue cards under each brand.
- The “Personal Card” is not affiliated with any major payment networks (like Visa, MasterCard, etc) so it can only be used for purchases a Texaco and Chevron stations. There are gas rewards given during the first 60 days but after that, you will not be earning any gas rebates.
- The “Premium Card” is another NON major credit card. The one has $25.00 annual fee and it does earn rewards, but ironically not on gas. The rewards can be earned on ” airline tickets, car rentals and lodging when booking through our Travel Reservation Service.”
- The Chevron Visa card is a major credit card, so it can be used for purchases at their gas stations and elsewhere. It does give rewards on gas and other purchases and I’ll explain those in a moment.
The interest rate shocker…
As I write this review, the APRs listed on the applications were the following:
- Personal Card = 26.99%
- Premium Card = 26.99%
- Chevron Visa = 23.99%
With rates like that, carrying a balance on any of these is shooting yourself in the foot. I know a Chevron gas card is somewhat easy to get, but still… almost 24-27% is quite high any way you slice it.
How do the fuel rebates stack up?
As mentioned, only the Chevron Visa credit card offers a rebate on fuel purchases. Here’s how the rewards program operates:
- On regular purchase elsewhere, it’s a flat 1% rebate.
- On fuel purchases at Chevron/Texaco stations, it’s 10 cents per gallon.
- On non-fuel purchases at their stations, it’s a 3% rebate.
Now I don’t know where you live, but I live in California (coincidentally my surf spot is right in front of the Chevron refineries in Manhattan Beach) and last year – and so far in 2012 – the price per gallon is still hovering around $4.00.
Do the math… a 10 cent rebate on $4.00 gas = only a 2.5% rebate
If I’m going to apply for a gas credit card, I expect to get more than that, don’t you? Especially considering the fact that this credit card will restrict where I can buy gas (only at their stations) so I would expect a higher rebate than that. If it’s that low, then what’s the point of getting it?!
What category do you fall under?
The rewards chaser: If you’re like me and after rewards, then there are several offers on the market that will probably earn you a higher rebate on fuel. See my current listing of the best fuel credit cards. Some give as much as 3% to 5% at every gas station.
The bad credit guy or gal: For this category I can actually see some logic in trying the Chevron credit card application. Your credit score might not be high enough to qualify for the Visa version, but the “Personal” version might be a good starter card that you can use to work on your credit with. However with the high APR just don’t carry a balance with it. Secured credit cards are another way you can work on your credit, too.
Written or last updated Jan 2012
I have had a Chevron Business Card for 8 years. THEY SUCK! I have had it up to me eyeballs with their BS.
The latest, I pay my bill online. I live on the west coast and naturally they are east coast time. I paid my bill at 11:05am PST (due by 2PM east coast time) and when I received my next statement they not only charged me a penalty on the balance due, they charged me a penalty on the total of the new undue balance for the new statement. Some of which had not even been purchased at the time they received the payment. Is this even legal??? To charge a late fee on purchases not even made or due. I will be closing my account.
I am fed up with the treatment of chevron agents and their blame tactics.
I have had fraudulent purchases made on my account not once but twice. I have my card, and do not go into the neighborhoods listed in my transactions list. I also do not spend over $100 on gas, nor would I go to the same gas station twice and charge the same amount. NOT ONLY THAT but another charge was made for the same amount at another gas station on that same day. It is ridiculous, and I am trying to cancel my account.
I do NOT recommend them.
Everybody,
Today after 28 years as a loyal customer of Chevron their credit department canceled my business credit cards because I had a NSF from a debit on my account. The Credit Department was rude, mean and just downright awful to deal with. This is so disappointing as they charge us over $4 a Gallon for gas and the profits are off the charts. They do not seem to care about customer service nor to they seem to care about long term customers. I will never buy gas again at Chevron. Something has to be done about this type of behavior.
I am not happy because of $50 late fee and $5 statement when mailed out. It feels like a total scam and they will not listen when I try to explain I never had a late payment before. I call in to cancel my account and They want my signature or won’t be cancel. What a bump…..
I am trying to dispute a charge on my account and I was on the phone with them from almost an hour. Not to mention that I was transferred to 5 different departments. They declined my claim for when my card got stolen. I called them that same day when my card was stolen and had them hold my account; I explained that I filed a police report etc. I had to call them again after one month because I never received the claim forms. I can’t wait until this all gets resolved so I could cancel my account with them.
Think twice before opening an account with Chevron!!!!!
Chevron card charged me the last 11 months with a late fee of 35.00 a pop 11 months ago. The first late payment I had I called and change my due date from the 16 to the 20th come to find out my dumb@ss was just paying 20.00 a month but it was due on the 16 so they always received every payment by the 18 or 19 so. I got a late fee every time called them tonight and asked why it wasn’t changed and if they can help me out with some of those and they only said they can only do 1 out of the 11 because my wife or I never caught it til now.
chevron sucks screw that b**** Christy the supervisor. Chevron can go to h***
I am a Chevron stockholder, have been for over 30 years. When the card services went to GE, I have nothing but complaints about the card.
The present card services are actually driving away Chevron clients, and is doing a disservice to Chevron. GE needs the class action lawsuit.
I refuse to use the card and or buy Chevron products till this gets resolved with GE services eliminated from Chevron.
Dec,12 2011, I was stunned while I had been receiving the statement GE bank sent. It is said I will be charged the Late Fee and Interest due to I did not pay my last balance on the due time. but I had paid the last balance online already and I got the confirmation number, and on Nov 27, I got the email twice to confirm I had paid the balance already. what is wrong with Chevron and Texaco?
Then I went to my email box I found out the bank sent a email to me at DEC.3, it said my payment was returned by GE bank so. But I do not think about it is my fault. First, who would pay his attention to something it had been finished again and again by checking email? Second, these guys never want to remind clients with a mail even with a phone call! Just charging some fees to clients? It seems like a typical business fraud, is not it? This is some bad guys’ strategy: they do not care seem to care about their reputation or honesty, only the clients’ “Late fee”.
thinking about how much they have made and will make by this way in whole U.S.A. Everybody reserve the right to lodge a claim for loss. Waiting for some heroes to sue Chevron and Texaco, sure, refuse to get any service named with Chevron and Texaco, GE, so tell everyone you know about this!
I’ve had this card for two and a half years and liked it, always use Chevron and enjoy the discount.
For some reason my payment didn’t go through and I didn’t realize until ONE day after it was due. $25 fee would NOT be reversed because the AUTOMATED system said so, and awful nasal woman was a completely unprofessional jerk about it so I asked to speak to her supervisor.
Her: why?
Me: I think you know why.
I calmly explained to him what happened and he told me the same robotic excuse: NO grace period, no 2.5 years of timely payments don’t matter one bit. I canceled, and unfortunately now am going to stop buying my favorite gas as well =(
I have the card and have not had a problem with it for over 3 years, but I too have had to make sure to constantly check my account to see when charges have been posted and when my payments have gone through. If I can pay balances off weekly I will even if I have a monthly budget for gas. Also, I have several other rewards cards that I alternate with for fuel charges and I have found that to be very effective in minimizing my balances with the C/T card. I think it takes a little extra on your part to maintain your accounts in good standing by mitigating potential risk. Essentially, it might serve everyone best to draw up a budget, try to stick to it, check your account daily, and pay immediately when you can. No one has done anything wrong and it’s really terrible that people have had to eat some serious charges, but times have changed. You have to be more involved.
chevron and texaco screwed me for over a hundred bucks for late fees. what they did is say that i didnt pay for last month so i called the bank faxed over the check (about 4 different times ) showing that it had gone through the bank. this took several calls and numerous emails. they finally made it right. the bill that was in question was over twice what i had owed and they gave me the right figure which was sent in without the bill (which was twice what i owed) i sent the amout chevron and texaco told me with the account number on the check. the next month i got a bill with over a hundred dollars in late fees that i did not owe (i paid them and dropped my account which i have had for at least 10 years) they made me feel like and talked to me like a didnt pay my bills. bunch of theiving a$$holes. they should be investigated. i pay my bill in full every month.not again!
Chevron does have an option to pay online I have a good standing account with them because I pay online instead of snail mail. and last I heard most people have internet or access to it at the library…just saying
‘Snail mail’ takes 2 days on ordinary letters max, in my experience. Online cc payments take 1 (you can’t schedule a pymt for the same day). Humongous difference there.
Wow, I didn’t think Chevron was this bad … or is it just GE Money? I can understand GE’s ridiculous charges … after all, they probably won’t be getting another $25 Million in federal stimulus money from Obama so they have to make it up someplace. I can’t or won’t tell you how you should avoid putting extra money in their pockets but I can tell you how I have.
Not only do I have the Chevron card but JCP, Sam’s and some others that are GE or that were bought by GE. 1st thing is that I do is I use either my MC, VISA or Discover (recent) cards for most of my purchases. When I do use a GE card, I usually pay it off before the due date. How do I know when the due date is? I’m online every couple of weeks making payments whether they are due or not. With Chevron, paying $150-200 every couple of weeks is more palatable then $300-400 at the end of the month.
And I can understand that most people won’t pay due diligence like I do … I get it. I’m just saying …
Now, because I do pay attention to my charges, I found that I had been enrolled in the Chevron Travel Club … which I did not authorize! I don’t know if anyone here has tried to cancel their AOL account in the past but AOL has nothing over Chevron. Numerous emails and phone calls and put on ignore and the only results are emails in the message center to call the travel club. I was going to cancel the card but, instead, I think I’m going to change my statement delivery back to the paper delivery just so I can start sending in my pennies like Bob mentioned above and maybe over pay as well.
Good luck
I have been a valuable Chevron customer for over 20 years. My business has had cards that long as well. We recently switched to the Chevron, Texaco universal business card. In 6 months they charged us over 1,500 in late charges and interest. We have always paid our bills on time. As a matter of fact I have documentation showing the bills going into the mail 6 days before the due date.
I had called and gave them a chance to make things right. They stated my payments were late and that they can not reverse the charges..
I have paid my last bill in full and canceled the account.
I hope there is a Class Action Lawsuit filed for this is nothing short of theft.
I too have been a valuable Chevron customer, average bill is between $600 to $800 per month. Though their website on personal information says mail statement (no fee), they still stick with me a $5 statement fee though I complain. Do an online payment 1 day before it is due and they try sticking a late charge because they don’t post it on a weekend.
Though I own Chevron stock, I just don’t want to use Chevron products any more after dealing with GE that took over their billing. CHEVRON NEEDS A CLASS ACTION LAWSUIT, which I hate to see, but their actions deserve it.
Hello Joe: I also have paid on time but have been charged late fees. I am informed that Wells Fargo allegedly manipulated the payment dates they cleared checks thru their customer’s accounts so as to make certain the account balances were inadequate to pay the bills so they could charge for overdraft protection, etc. I suspect that Chevron/GE is delaying the posting of payments to their customer accounts so they can justify late payment charges, as well. If I can develop enough “evidence” it might be interesting to go after them for fraudulent and deceptive business practices. Can you help? Best regards, Mike
My company has had a chevron card over 25 years, we are never late paying chevron or anyone else for that matter. On my last statement I had a charge for late payment and interest of $45.00 on a $303.00 balance, seems my statement closed on June 5, probably took it a few days to get to me, they posted my payment on June 20 but claim it was due by 19th so I owe the penalties. Who’s to say that they process your payment in a timely manner? Looks like a scam to me. I’ve closed this account and am sure other consumers will also.
I have had so much problems with Chevron! I paid my bill by phone in order for it not to be late last year, and they took a double payment! When I saw it on my next bill, it showed I had a credit. But that is my money that came out of my account and I needed it to pay other bills. I called Customer Service to tell them to refund it immediately and they gave me a long run around. I asked for supervisor’s and managers and pushed and pushed. I called the Better Business Bureau and reported it and told Chevron that I did that and after 16 days, finally got my refund. Now, this late fee (I was one day late – paid by phone too) is really incredulous. Bill was due 6/12/11 (Sunday of course), paid 6/13/11. On 6/28/11 statement shows a late fee on the past due amount that was one day late as well as on the amount that will be due 7/12/11. Get that? On fuel that was charged onto the Chevron gas card AFTER I paid the previous bill that isn’t even due yet!! ????? I called customer service reading them the late fee wording on the back of my statement. I interpreted it one way, they interpreted it another. They said that is how their system is set up by their lawyers. Hmmmm. Class action lawsuit? Sign me up! The Better Business Bureau said I haven’t been the only one complaining about Chevron and that they are being investigated. That was a year ago. Well? I haven’t heard anything yet personally nor in the news!
Statement date 5-29-11….Rcvd on 6-3-11….Sent check 6-6-11 for a 6-13-11 due date. They said they got it on 6-15-11…Charged me $127 late fee for a $460 bill. They took off the first one where they played the same game. If they don’t take off this one, I am not paying. They can give me a black mark. My good credit can take a hit. Who cares. Everyone should cancel their card!!!!!!!!!!!!!!!!!!!!!!!!!!!!
I have had this card for three months. The last two months they have charged me a $88 late fee on a $890 balance and $127 late fee on $460 balance. Each time I had my bank mail check 8 days before it was due and each time Chevron said they didn’t receive check til 2 days late. If this isn’t a scam it sure feels like it. I got my bill and paid it 3 days later and they said it was still late. I have paid off my bill in full and this is what they do to make money on you. I am reporting them to the BBB.
I had this Chevron account 24 years. Always good, never late. Stopped using the card; but didn’t cancel it. I figured things might change and it could come in handy again. That was a mistake. Though you may not use the card, they still charge for their annual fees and the “Travel Club” dues.
I admit I overlooked it; but calling to talk to those people is anything but easy or convenient. So now, they “ding” my credit with a 60-day late. No one to talk to, but a phone clerk who apologizes mechanically and can say she “regrets”. Not much for 24 years as a customer. The guy above (the three pennies solution) has a good idea; but all you really have to do is overpay by a nickel or a dime. Believe it, it drives those bastards nuts. plus, for a credit balance of 1.50, it costs them 15.00 to send you the statement. Ain’t much, but neither is a mosquito bite…;)
Responding to Miguel…business cards we have had to go through the same with only 14 days to pay. Latest is with the “upgrades” to a “visa” billing period is even shorter. By the time the statement arrives usually the weekend after the statment is posted there is only a 10 day window. This is legal???
If you find any additional information please keep me posted as to where we can file a complaint.
Thank you….
Success! I finally found a way to beat the system. Like many of you I was charged a late fee because the payment was received by them on a Saturday and they failed to credit it till the following Monday, thus incuring a $39.00 late charge. As you no boubt know, that’s how they make a great deal of money. Naturally, no amount of phone calls will convince them to delete the late charge even if you have been a long time customer. They don’t care.
My original solution was to just charge 10 cents worth of gas, pay 12 cents thus generating a 2 cent credit and have them send me a credit for the 2 cents every month. I thought it would get their attention and someone would call me and ask what I was doing. It didn’t happen. That was 17 months ago.
Just last month I found a tactic that did work. On the bill it always says “don’t send cash.” That gave me an idea. I would tape 3 pennies to the bill. That would give me a credit of 5 cents, but more importantly, it would screw up their system. I can just see this bill being kicked out of their automated system and someone manually taking the pennies out and putting the credit on the bill. It worked. Someone called me and I told them that they screwed me out of $39 and I wanted the credit put back with interest. Well it finally happened. I got the credit back on my account with interest, but I am not through with them. They screwed with me for 17 months. Now I will screw them for the next 17 months by attaching pennies to my credit bill each and every month. It will be well worth the 44 cents it will cost me for a stamp just to know I can screw with them and they can’t do anything about it. Oh and don’t forget, always use another credit card for any gas purchase.
Recently, I had a similar experience with Chevron. Chevron arbitrarily changed my on line bill pay payment due date. I was traveling abroad when they made the change. Because they changed the due date, my payment was 5 days late. A charge of $29.00 was added to my bill. The Indians and Philipinos we spoke to had no interest in helping us. Each time we called Chevron we would reach a Philipino Indian or whomever! They can barely speak English and seem insulted when I suggested they go to school and learn how to speak English that is understandable. I even told one Indian to tell Chevron executives to go screw themselves. She thanked me for the compliment! Out sourcing is such a pain in the you know what! Prior to this unfortunate scam, we had been customers in good standing with Chevron for 46+ years. We no longer do any business whatsoever with Chevron. With Chevron’s depressed annual net income ($19 billion was up 81% from its 2009 earnings of $10.5 billion.) I guess they needed my $29.00 to remain solvent! What a scam! Of course, Chevron could care less if they have me as a customer. They are only interested in ripping off their customers. When I called Chevron I was told that it was my problem not Chevron’s. Chevron needs another valid class action lawsuit in order to protect consumers.
I HATE the way companies play with peoples’ fortunes, and the outsourcing they do which is often aggravating, so I feel your pain. But as a linguist – and as a former over-the-phone customer service-type employee, I feel their pain, so I just have to correct you on their English – Filipinos and Indians definitely speak English; India still has many ties with England and basketball is a super popular sport in the Philippines. It’s just that they don’t speak OUR English – just like the British or South Africans or Australians or what have you.
They can understand each other just fine, and there’s English in their media. That’s why they were insulted. Chevron’s based right here in the states, San Ramon, California, and Chevron is the enemy here – not the phone agent who’s just trying to make a living. Unfortunately, their powers to help you are limited (by Chevron), so don’t shoot the messenger.
I just got ripped off by Chevron Credit card company. I was charged a $25 late fee, on $1.75. I wasn’t late with the payment, I had a $49.00 bill, and figured I would pay two installments. I sent my payment in for $25, and my mistake, the due was $26.75. When I called about having to pay the charge, for just $1.75, I was treated extremely rude ( the person really sounded like they were in India, very hard to understand). Same as most the people posted here, I’ve had an account for years, and always paid timely. I’m still stunned over the way I was spoken to. I am so done with Chevron. I will never pull in one of their stations again!
Has anyone noticed the $10.00 check processing fee. I quit using chevron for that reason and also because of the late fees/intrest was incredibly high. and i pay all company bills every 2 weeks. when i called cutomer service about the $10.00 check processing fee on a zero balance they informed me that i had to pay it and if paid by check i will receive a bill for another $10.00 i will just never end. they do not except credit cards the only way out of this is to give them my banking information. i this even legal ??
i was going to cancel the card but insead i’m going to shred it. so they can keep sending me statements with a zero balance. I will never use chevron again or will any of my emplyees. they just lost $700-800 a month over their greed
What’s up with the horrendously egregious customer service Chevron is insulting their customers with these days?! As many others have said on this discussion posting page – I’ve been treated terribly by Chevron lately – even though I’ve had an account in good standing for 25-30 years! Do they have new management? Do they have such a huge portion of the gas market share, that they think they can treat their customers terribly, because they are making so much money that it doesn’t matter how many people throw away their Chevron cards due to mistreatment by their customer “service” reps? Really, I am very curious.
Most companies want customers, and want to treat their customers well, so they can keep the customers they have, and get a good reputation so that they’ll get even more customers. It seems as though Chevron wants to alienate and lose the customers they already have, and of course, disgruntled ex-customers will pass on the advice through word of mouth that Chevron is such an awful company that everyone should just take their business elsewhere.
Chevron charged me a $39 late fee plus a $2 interest on past due fee on a $42.36 balance. I have been a business cardholder since 1986.(25yrs) So now the 42 bucks of fuel is gonna cost me $83. I will not only be cutting the card…., I’m going to burn it. GOOD BYE CHEVRON, you will not get the opportunity to screw me again. EVER.
Chevron’s credit card division has been playing a Catch 22 game with late fees. Through billing and receipt date manipulation they make it impossible for a normal business that only cuts checks twice a month to avoid late fees. In my opinion this borderlines on almost being fraud. When you cancel your Chevron account make sure to report the incident to the Better Business Bureau. Write a letter to Chevron to confirm cancellation and request a refund for all fees that you feel were unfair or fraudulent. Also contact the owners of the local Chevron Stations that you do business with, and explain what has happened.
Be careful of your due date … mine was on a Saturday and although my on-line banking provider does not process on weekends I was hit with a $20 late fee on a $30 bill. Asked customer service about giving me a break — forget it!! “Time Honored” cardholder since 1968. Big Deal! For $20 this card goes from my wallet to my drawer. Great customer service, huh?
WORST CUSTOMER SERVICE!!!!! WILL NEVER GO BACK AGAIN!!
I have 3 gas cards: Chevron, Shell, and Unocal 76. I have never had any problems with any of them..not even Chevron. I pay them off each month and don’t keep running balances; but I used to use all 3 and keep running balances on them, but even then I experienced no scams from any of these gas card companies. I am disapointed tho in Chevron and Shell not offering lower rates for those with excellent credit, Chevron and Shell are very high (21-24.99%) and they don’t appear to offer a ladder of different rates for people with different credit ratings..just one high rate for everybody….so for those who keep balances that can be pricey. Out of all three of these Unocal 76 has the lowest rate, I think around 13%.
I was charged with a late fee also don’t how, but all I know is that they have a very poor communication with customers. And yes I am very unhappy.
I have been with Chevron 34 years Paid every month on time. Chevron changed my billing date by 15 days . I send my payment in every month the same time 1- 8 th I got a $41.00 late bill I called and was blow off ! I am really pissed ! I beg everyone out there to cancel their Chevron CARD ASAP. These people have lost the ability to treat people right.
I am soooooo thankful to all of you writing complaints. At a Chevron service station 3-4 months ago, I was approached by a woman as I finished filling my gas tank. She asked me to complete a Chevron credit application with handsome rewards… a $5.00 on-the-spot discount card, then 20% gas discount for one month, and then 10% gas discount after that indefinitely.
I completed the application, gave it back to the woman, and 3-4 months later received a letter from GE Money Bank, saying they were unable to verify my identify, so did not approve the credit card. This is totally absurd since I have had the same personal information for more than two years, and my credit score is 821 out of 850… an excellent score, but they decided NOT to issue me a card, and said I could write to them in El Paso, TX if I questioned their decision.
Not only do I question their decision, but I learned online I should question their business practices, i.e. no person’s contact name, no telephone number to speak to a human being… wreaks of a sham. There were HOARDS of complaints written against them by people who had allegedly been ethically and legally abused and exploited by them.
I am eternally grateful to all of you who wrote complaints to warn us potential victims. I am truly fortunate GE Money Bank did NOT issue me a credit card… with the potential and strong likelihood of abusing my business and excellent credit score of 821.
I hope all of you writing complaints will somehow find a way to ban together and pursue a class action lawsuit.
I use the online payment method to pay my Chevron bill. I receive my bill approximately 4 – 5 business days before it is due. Because this is a business account with multiple cards/vehicles that MUST BE VERIFIED, it takes time to process on our end.
The due date for the invoice last month was August 8th (a Sunday). I processed the payment ON LINE on Friday, August 6th. Evidently I didn’t process it prior to 2:00 ET (I’m on the Pacific Coast so it had to be processed before 11:00am PT) and they didn’t apply the payment until Monday August 9th. I was FINED with late fees and interest of $236.97.
Now really……even the IRS doesn’t do that! If the due date is on a weekend FOR YOUR FEDERAL TAXES, they use the next business day as the actual due date. In other words, I would have had to pay using their ONLINE payment on August 5th in order to have the payment processed for a due date of August 8th.
WARNING WARNING WARNING!!!! If you are going to have a Chevron/Texaco credit card, set it up online for THEM to take the payment on the due date automatically or you’ll get caught with this kind of nonsense too.
Ridiculous…….and it should be illegal.
I’ve always received my Chevron (GE $) billings about 1 1/2 to 2 weeks before the due date, but my latest billing arrived essentially on the due date, making it impossible to get the check in and processed in time.
I’ve had a feeling that this might happen; purposely on their part. I’ve seen over time Chevron / GE $ increasing their penalties for late payments (extra fees, APR’s raised to insane limits, etc.) and sensed a skunk at work. First: set up the trap to allow for more money to come in, second: set the trap by sending the billing off too late.
It’s even worse too. Unlike years past, where the postmark would show up on the envelope (indicating when it was sent), it’s now set up these days so there is no indication on the envelope of when it was sent. More “sign of the times” crap that lessens the power of consumers and increases the power of the big corrupt entities of the big USA.
To: Robert in CA from April 12. You are the one who is ignorant or stupid; take your pick. If you could read, you would see that 99% of us are saying we are NOT late with our payments, even those who do pay the entire balance each month. Chevron says we are late and is ripping us off. Excuse us for following the terms of our agreement.
Please contact consumer reporter
at CTV Olsen on your side
Chevron Credit card ie. GE Moneybank is another working man “rip off”. I had a card with Chevron for over 13 years. i always paid the balance in full and on time. I received my bill on Wednesday April 28, 2010. It was due on Sunday May 2, 2010. The earliest i could schedule on line payment with my bank as usual was Monday May 3, 2010. Yes, i got a $39.99 late fee added to my next bill in May.
I called Customer service at Chevron and the represenative, who could not speak very good english, submitted a request to waive the late fee. Of course, the request was denied.
This infuriated me. There’s nothing else one can do but pay the damn thing, never do business with Cheveron again, and tell everyone i know, and a lot of others i do not know.
D. R. Smith Houston, Texas
I am from Canada. I too am having the same problems as everyone else here. When I receive my statement, I quickly write a cheque out and pay Chevron, but on my next statement I am charged with a late payment fee and interest on top of that. I called Fleetcor a few dozen times and I wasn’t even helped out at all. I was hung up a few times, and was even told that no manager was in the office to help me. This is recently, I called them and ask for a manager to call me back and I have been waiting for two months for a call back and still waiting.
I wonder if you all paid the interest? I am one who will not pay, I will let them send it to collections and file it every 3 years.
Anybody from Canada having this problem? Vancouver that is…
Thanks. The Texaco near my house advertises a 5 cents/gallon rebate, which is very tempting since I drive 100 miles/day. I was just about to apply, but first I googled “Texaco Card scam” and came across this blog. Sometimes the internet can be very useful. Thanks again!
You must be working for Chevron.
I had no problem for 20 years with my Chevron Credit Card until the recent billing change.I also pay my bill in full within 21 days.I have
several other credit cards like American Express,
MBNA,RBC and more without any billing problems and yes no late fees.After my accountant informed me about the “Chevron Scam” and details I cancelled my card.Clerly you must be working for Chevron to assume every card holder complainer is living beyond their means.This is exactly the attidude from Chevron and ask to speak with an Chevron Manager I am still waiting for a call back from anyone from Chevron.LOL !
Trust me ,I do not need Chevron in my life and I do practice the art of living and have a comfortable life.
I had moved and did not receive the email statement that I had been forced to agree to, or be charged an extra fee. As my computer had been lost in the move and I lost all my emails I contacted customer service to get the $39.00 late fee and interest charge taken off the bill. My request was sent to a supervisor and 3 days later I received a call back and was told that there was nothing they would do for me, and it was my responsibility to know when the bill was do and should have contacted the company. I advised Cecelia that I was a 16 year card holder, and if she did not take off the charges I would close my account, and did she feel that it was in the companies best interest to loose a customer who has spent at least $100 per month for $39.00. She told me that was their policy. I asked for her supervisor and was told she was her own supervisor and there was no one else to speak with. I asked for the phone of the Customer Service Department and was told that there was none. I asked for the Human Resources Dept and was told that their was none She did offer me a Close Account Request. I asked who to complain to and was given a Corporate office PO box in Norcross, GA but not a phone number. I told her Thanks for absolutly no customer service and hung up.
It appears the majority of you posters here are either ignorant in the purpose of a credit card or maybe even stupid.
I have not had any problems with Chevron credit card or any of the other cards I carry.
Most of you seem to fail to understand that a credit card (no matter which one) is just for the convenience of not having to carry large amounts of cash. I pay the bill IN FULL each month. This renders the interest rate they charge irrelevant. I also and pay the bill online BEFORE the date due. All credit companies provide a secure online payment web page. This ensures the bill is paid on time and I have an immediate confirmation Chevron received the payment. Never any late fees and it does not matter where the mailing address of the payment center is.
You complainers need to examine the root of your problems – YOU AND YOUR ACTIONS.
Wake up, stop living beyond your means and utilize the internet options for paying your bills.
Posting on forums like this about how you are being ‘mistreated’ by the card companies only serves to highlight the fact you don’t understand how to run your own lives.
I agree they started charging me 29.99% and get this offered me $42.00 for a 12 month program. When do you think I will pay this off huh?
see my reply I totally agree after having a card with them for over 15 year plus
We need to ask for the attorney general for help with these situations
I have sent letters to the CEO, Comptroller as well as the VP advising them that I was offered a 7% interest vs a 29.99% 12 month program for a pymt plan of $42.00 per month. People we all know that if we would pay $42.00 per month with an interest rate of 29.99% and late fee of $39.00 and over draft fees this account would never be paid off at $42.00 per month!
Why did they off this to me and not keep their word?
So, for one month I decided to not pay and they kept calling me every day every day!! I mailed them their $42.00 and will but I know I will never pay off this account at this rate especially interest rate componded on late fees etc. This is sad for us consumers especially when we have asked for help to pay off our debt and they promise us something and lie
I got a Texaco Chevron Gas Card; not only is there no Texaco or Chevron Gas Station in Conn.;
but they charged me a $39 late fee on the $25 annual fee; they should say card not valid in Conn
We have a responsibility to inform our friends and family and everyone we know in our communities about Chevron and its hurtful, unfair, fraudulent business practices.
Please text,e-mail phone or fax every one you know to stop Chevron taking more money/profit from
the hard working people.
Please tell every one.
Thank you,
EX Chevron Cardholder.
I have had the same problems with late fees as many of the Chevron card holders have had. They issued a statement with a due date that was four days later which makes it impossible to be paid on time. I called Chevron and explained that the late fee was unfustified and to close my account. Since then they have compounded the late fee three times for a total of $82.00. This is extortion and a fraudulent way of doing business.
Craig
Yep…changed my due date without notice…thought I was early but was late….canceled and shreaded.
The lost a good customer who went to Chevron because thats what I had in my wallet…..moving on to some other gas company now…
We as a 30 year customer have stopped using Chevron credit Cards because it is impossible to pay the monthly statment by check, since the statement date is the 19th mailing on the 22nd getting to us by the 26th and GE Capital wants it processed by the 10th and they take 10 working days and do not count weekends. I had a $130.00+ charge for a late payment, they are no longer a provider of services for us.
I was a long term Chevron customer. I cut up my
Chevron credit card today.The Chevrons bill arraived today in the mail,on the due date, now the late charge is $ 20.00
Also an additional $5.00 statement mailing charge
will be charged for future mailings. A new statements arrive every 14 days and the credit card limit has been cut back.
Scam! Scam ! Scam!
Chevron must be in financial trouble to have to rip off the customers.
Please cut up your Chevron card and be happy1
thanks,
Hi everyone. I’m from Los Angeles California and the business I work at uses a “charge card”. We were late by two days on a payment of about $700 and we were charged late fees on charges of $4000 because of the way they charge late fees. They even admitted to me on the phone that there is no way a customer can tell by the cardmember agreement how Chevron calculates late fees because they define the term “New Balance” anyway they like without defining it on paper.
Please note that we have a business charge card, that is it needs to be payed off at the end of the moment. This is different than a credit card and while I’m not sure, I think laws differ as well because its a business card and because its a charge card.
My name is Miguel and my phone number is . I really want to know if what they do is legally, but we don’t have money to hire a lawyer at $400 an hour.
I contacted the FTC with my complaint but they don’t look at individual complaints. I also contacted the Los Angeles County Consumer Affairs department and they don’t look at business complaints, but they do mediate between companies and that’s where my case is currently heading. I have no idea how that will turn out.
Maybe we can get a couple of business together to split the cost of a consultation fee to find out if what Chevron is doing is legal and if it isn’t, let the lawyer file a class law case. I don’t care for the money at this point, I just want to give it to Chevron.
Got my bill today with a 29.99 late charge plus interest. I have the cancelled check for the charge in question which shows paid on time. Somebody wrote in the for line on the check another account number than mine. Isn’t that fraud? Not even close to my handwriting. Why should I have to take them time and energy to handle their fraudulent employee problem? 35 years of paying my entire bill monthly and always on time. They shut down my credit amount to 180 dollars and want me to send a letter and check copy so they can investigate. They can eat me!
Just cut those loan sharks off an hour ago on the phone!!! Been with them since 1988. Then GE Money Bank came in, and the rate became 29.99%. Hell Mobsters won’t even try to squeeze a rate that high out of you. Anyhow I owed them $212 bucks…. BUT it’s the principle of it. Money/credit cruch my $@@! Take’em shopping…high rates and games..dump’em. Will not buy Chevron Gas. If any of you all have any cards now owned taken over by GE MONEY…CLOSE THE ACCOUNT FAST!!! The will attempt to squeeze you..AVOID GE Money Bank!!!!!!!!!!!!!!!!!!
These guys are a ripoff card, not a gas card. Got it because they offered the discount per gallon; was late paying a few months and tried to get is straightened out, they charged late charges on the day I made payments; you have a 10-days to make the payment after receiving the bill, there’s a $5.00 report fee; fees fees fees fees is what the card is all about. You never make up for it on the gas rebates. DO NOT USE THIS CARD. I owed them $42 and they charged me $205 which was the balance from the last statement; now I have to wait 4-6 weeks to get my $163 refund. There’s absolutely no advantage to using this card at all.
been a chevron card customer for yearsss, never been late. they raised my already high interest rate of 21.46 % to 29.99 % for no reason, and they did this to all customers for no reason. i’m paying this card OFF w/ my tax return. what a waste of money. chevron charges more for gasoline anyways, than most gas stations.
I have a business gas card with Chevron. They are just as evil. I won’t even get into the details, but beware.
I was a cardholder for 18 years. I only used Chevron gas because it was the first gas credit card I received. I had always paid my Chevron bill with my paycheck on the 15th of the month. They changed my due date without notifying me to the 12th, causing me to be late. I called customer service and the service was horrible. They raised my interest rate from 18% to 29.99% since I was late. Even though it is the first time in 18 years I had ever been late. I cancelled my card after this horrible treatment and have not been to a Chevron station since. I would encourage any law office to look into a class action lawsuit for deceptive business practices. I now get gas at Valero with my new Valero credit card. I would urge you to avoid to avoid Chevron at all costs, you will be sorry later!
Look at all the rip off stories and they are similar. This company will do everything they can to screw you, however I have found that I CAN FIGHT BACK. Here is how I do it. First of all, I over paid my bill by 10 cents, then put the card in a drawer and decided to use my Discover card for all future gas purchases. When the Chevron bill comes, I had a credit of 10 cents. That will force them to spend the price of a stamp every time the end of the month rolls around and they have to send me a credit of 10 cents. It’s a reminder to myself that I can screw around with them. It’s not much but it’s the satisfaction that counts.
By the way, if they ever send me a check for 10 cents, I will cash it and then charge 10 cents, and over pay 20 cents and let the entire game start again.
I am hoping that some human being from the company will call me and ask me why I am keeping a credit of 10 cents on the card, then I can tell them why I am messing with them the same way they are messing with me.
Same as others story. Been a customer for years with no problems also ahve AMEX ansd others. No problems The chevron bill has always been paid in full at the end of each month. The have a due date on Sunday. they do not post on Sunday so it is when ever they get around to postinf they will charge you a $39 late fee doe $22 worth of gas.
It seems no matter how you pay they are out to get your money. Pay by phone they charge you $25. They send my statement5s on the e-mail and If i mail from the mail post office that same day it takes them from 11/25 to 12/11 and the check is still not clear. Over two weeks. I am sure I will have a compiled excessive late fee. What can we do about one of the major oild companies riping off small business and senior citizens ?
Someone need to help put an end to this.
SM. Las Vegas
We were 18 years with this rip-off company. We switched from regular chevron to the new Visa by GE (deceptive trade company)! What jerks. The worse scammers I have ever dealt with. They need to take lessons from American Express in customer service. With this scam on late charges, billing, interest rates and price fixing if I don’t sue first; when someone is ready to sue them, I am on the band wagon.
I am a 25 year customer. In July, they raised my limit for being a good customer. I paid my bill. In August, they said I was late, $39 late fee, raised my interest rate to 31%. I sent a letter with my two statements, showing there was no way that I was late. GE Money never responded to my letter. All they do is call and threaten me, won’t even discuss. I am contacting my attorney. THAT is why I blame the company!
We use our Chevron card for travel and pay it online as soon as we get home and pay no interest. We can almost always find a Chevron station wherever we go and have been very happy with it. It’s for convenience in buying gas, not ‘rewards’. You would pay for it with a debit/credit card for the same reason you would pay your cable or electric bill that way. Seems to me the problem people are really having is running up their charges, and sure, you’re going to pay big that way. We used to have the same problem with VISA when we’d run it up and then only pay the minimum payment. But you agree to that when you purchase the cards, so why blame the company?
I got the same bullsh_t excuse. Their remit to address used to be in Concord, CA (same county as we are). They changed that to North Carolina AND reduced the number of days before it’s due. I asked for an overnight mailing address they refused to give one and said “you can pay with a credit card”. Why would I pay a credit card bill with another credit card? We were charged $100 plus interest! I think it’s time to say bye bye Chevron!
My company Chevron bill arrived today. Not surprised, had late fee of $175 plus interest. This account is paid in full every month and well before the due date. Statement posted the payment being made on the 25th. The due date was the 12th. Because this has become a regular occurance the payment was sent USPS certified return reciept requested. Reciept shows delivery on the 10th, two days before the due date! When called, the explanation was that it took 3 days to enter the payment and an additional 12 days to verify the funds. FTC complaint is in the works. Anybody else treated this way?
I want to order a credit card FOR GAS ONLY for my son in another city, What card do you suggest I get?
Rather than pay the billing fee (extortion) I elected to receive my business statements on line. After Chevron changed mailing addresses without sending out a mailed notice my payment was received after the due date. I was hit with a “late fee” of over 300.00 as well as interest! When I called customer service to either remove the late fee or cancel my account the rep called me dog and hung up on me and still didn’t close my account! Why has fair business practices been replaced by corporate greed. I believe that Chevron needs to be held to task for this by our legislators.
I recently was charged a 39.00 late fee on a 44.00 balance which was paid 2 days late! It took 10 days from the date of mailing the payment until it was posted. I pointed out to the “customer service rep” that it was impossible for my payments to get there timely. They have a 14 day billing system, It takes 7-10 days each way. Which means your always going to have a late fee! I had been a customer for 20 yrs, didn’t seem to matter. Chevron refused to credit the late fee! So long chevron-Texaco
Terrible rip-off and they don’t care. Regarding the finance charges-I’m a bookkeeper and I keep telling my clients to cancel their cards. They are paying over $1000 a year in late fees. They barely mail out the bill in time to pay it before the due date-then they say they can’t be responsible for the mail. You would think that for $5 they’d get it to you sooner. It’s all part of their game. I expect that their finance charges represent a very large amount of income to Chevron.
Thank you for this blog and the comments it helped me to make my decision about one of these cards! A definite NO and now I do not even have to read there legal fine print jargon.
Judith, please respond to me. We have the same issue and want to do something legally about it. Exhorbitant late fees, interest on late fees, late fee charges on non-late amounts, etc.
similar thing happened with me..I filled gas in my car at my neigbor gas station and they charged for that twice on my card..i talked to them..but they didn’t listen and I had to pay for that ..so i also recommend not to do business with chevron..they are cheaters..
Recently received a bill at my husband’s company from Chevron which indicated a late fee in excess of $175.00. Review of the card indicated the last payment of $400 was one week over the due date of the bill. When I telephoned Chevron to inquire how they arrived at the late fee, they informed me they charge interest on all charges outstanding at the date of lateness, including current charges not yet billed to the customer, and apparently past charges already paid. In my case they indicated late charges accrued on over $1600 worth of charges. My new bill was less than $500. No matter how I worked it, I could not figure out any formula that would justify their charges. Needless to say, after decades of business with Chevron, my husband and I have elected to spend our money with other fuel companies…
So glad I came across this blog. I logged on to apply for the Chevron Card because at the pump it read “15 Cent off Per Gallon” but did not say how long. I thought “what the heck”. When I went to apply I noticed that the site was not sucure, so I back up and found this blog. Thanks for all the info. I will just stick with my American Express.
I had a Cheveron / Texaco account for almost twenty years. I always paid on time. I cancelled my card prior to a deploymeny with the National Guard. Upon returning, I found that they did not cancell the card. They had also charged me for the travel club and late fees. When I returned home, they would not even discuss it with me as they had sent it to collections. Some of the worst customer service that I have ever encountered. I have cancelled the card again, and I will not be purchasing gas from them. If you are thinking of getting a card from them… DON’T DO IT.
Paid my Shoveron off when I got my tax return as the revolving interest was eating me alive and left for dead!!!Horrible interest you pay.
Chevron has instituted a $5.00 per month “report delivery” fee for mailing a statement to customers. I have hundreds of vendors we make payments to and none has made such a policy. We have never been late and have a 30 year relationship with Chevron. It has taken repeated calls on my part and weeks of wiating to get a response from a supervisor and then they chose to let us cancel our $700/month company account rather than reverse these charges. To boot, they were rude and dismissive! Thanks for the lead to Discover Open Road! Goodbye Chevron!!
Applied for chevron/Texico visa because of 13.49 rate. I have great credit score and was approved. When the card arrived the rate was 17.49. I called them and was told to bad did I want to cancel card. That’s nice. Beware of this scam. It’s GE Money Bank!!!!!!