Got preapproved offer for a MC. These are the details: CL will be between $250-1000 9.9% APR Account setup fee 29.00 Program fee 95.00 Annual fee 48.00 Participation fee 72.00 (billed $6/mo, annually) My thoughts are that they are going to give me a crappy $250 CL and then tack all of the above on top of that for a available credit of...a whopping $78. I am seriously considering the offer, but wondering if I need the card that bad (I know I have to judge that for myself). I currently have a Cap One $800 CL and a Kohls $1200 CL and a car loan. The only thing that is appealing about the CCB is the 9.9% APR. Cap One is 14.9%. Any suggestions? BTW, I have PFBed First Premier about this offer to see if they can do better. Want opinions just in case they can't...
I have CCB and started with a 350 limit in 8/00 that is now 1200, all though I've seen alot complaints (usually about the fees), I've been happy with them, when I took their offer I didn't have any other options, from what I can see you do and the fees aren't worth paying...take the couple of hundred dollars-that you would pay in fees-and use it toward your exsisting balances...you seem to be well on your way and I'd tough it out and wait for a prime card...in six months it may be possible for you...just my opion but don't do it...it ain't worth it... ps I don't think PFB works with sub-prime cards and I also have first premier...perfect payment for 2 years...still at $250...hate them...they are the worst!
Correction: its a First Prem offer I made a mistake. The offer is for a First Premier card, not a CCB card. (Having a Christmas hangover, sorry)
Re: Correction: its a First Prem offer love what are you thinking thats a crackhead card. You can do better than that!!
Re: Correction: its a First Prem offer The total fees close to $250....with a $250 limits card, I think you need an atomic microscope to look it over! Herman
Re: Correction: its a First Prem offer PFB DOES work with subprimes. Orchard and CCB are getting more and more receptive to PFB. CapOne and Providian also are, as well as Sterling.
