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barely anything. average $40-$45k or about $25/hr.

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13y ago

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Is lowpaycard.com a scam?

no but you can only buy things from their catalog and they wont tell you up front the prices of things. It could be te scam is ten times market value or something and their is an annual fee.* Whatever they may imply, they are a buying club not a general credit card. The letter is densely packed with hard-to-read fine print. If you trouble yourself to call the activations line ( which is NOT customer service- good luck finding any info on this companies real location or phone numbers in the letter, by the way. It isn't there) you will hear nothing in the disingenuous sales pitch about this. There is an emphasis on the words credit line and cash advance benefit ( a referral to a payday loan company , and not available in a surprising number of states) but nothing about it being a buying club. The best answer to the question of legitimacy is probably provided by LPC, Inc, themselves. Simply read the fine print these people put on the back of their letter to get a good idea of where they are coming from, the lengthy "dispute resolution process goes into great detail about the rights and privileges of any poor soul unwary enough to do business with them The concluding paragraph sums it up nicely:: You understand and agree that you are A) hereby waiving your right to have a trial by jury to resolve any claim B). you are hereby waiving your right to have a court (other than the exceptions specifically addressed by this document i.e. small claims court) resolve any claim and C) you are hereby waiving your rights to join or consolidate claims with the claims of others, or serve or participate as a representative or member of a class making any such claims or in the capacity of a private attorney general in any lawsuit or arbitration involving a claim without written consent from us.What do they mean by claim? They define that as well. …claim refers to the broadest possible meaning and includes claims of every kind and nature including without limitation any and all claims, disputes and controversies arising under and relating to tort (including injury related to negligence or intentional conduct) contract or broken promises, , common law or equity fraud, statute, rules, regulation, the Constitution including and without all federal and state disclosure electronic fund transfer retail installment account, debt collection, lending, privacy, warranty, insurance, service contract, product liability, unfair business practice, misrepresentation, unfair competition and other consumer protection statutes, laws, and regulations, examples of such rules include without limitation the Federal Trade Commission act, , the Electronic Fund Transfer Act, the Truth in Lending Act, the Fair Debt Collection Practices Act, the Fair Credit Billing Act, the Electronic Signatures Act, the Fair Credit Reporting Act, the Credit Repair Organizations Act ,the Equal Credit Opportunities Act and regulations issued there under and equivalent state statutes, laws and regulations. The provisions of this section will survive payment, termination, or closure of your account or your bankruptcy. If any provisions of this section are deemed invalid or unenforceable, the remaining provisions of this agreement shall survive and remain fully enforceable, regardless of such determination of invalidity.They seem to be trying to pull off a legal "bait and switch", and protect themselves from any kind of accountability for their actions. Are they a scam? Probably. Do they get away with it. Most likely.This Beaverton, Or company hides behind a cloud or legal jargon, and based on their cardholder agreement, have little to offer people in need of credit or credit repair. And they have gone to great lengths to set up a system to get money from you.LET THE BUYER BEWAREYou would be well advised to do a web search on this company, Low Pay Card. That should give you all the info you need to make an informed decision


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