First Natl Credit Card

I received this offer in the mail. I read the fine print. They will charge you $175 in fees with a credit limit betwwen $250 & $1500 but they way my credit is do you think it is worth it to apply and rebuild my credit all over again?

 

I had a terrible experience with this card. I applied for the card and recieved a $300 credit limit. I never used the card and the FIRST bill I received from them (which included all of those sign up fees) came in the mail and it said that I had a late fee because I missed my first payment. I never received the first bill. I called and complained and cancelled the account immediately. They SAID they closed the account and that I was not responsible for the sign up fees. Four weeks later I get another bill saying that I'm two months late. Again, I call and they said it takes time for the system to process the request. I then asked for a letter in writing that the account was closed and I did recieve it a few weeks later. Meanwhile, I get a copy of my credit report and they have reported that I was 60 days late. It also says the account is closed and was paid in full. I had to contact the credit bureaus and get it corrected, which I finally did. I definatley would not recommend them.

 

I've never had a problem with them. I have 550 credit with them with no job. THey based my application on my child support payments and copies of all my bank statements. I like banks like this because it gives me a chance to build my credit and I now have 10 Visa and m/c cards with no job and over 10 thousand in credit plus an auto loan. people like me need cards like these and i'm happy with their customer service also

 

I sent in the approaved credit visa card
offer, I enclosed a check for the fees and
also an extra fee for expess delivery, the
check has cleared my bank a month ago and I
still havent received my card!
dob11-6-65
ss#459-21-3410
address:10339 cr1208 Athens tx. 75751
phone # 903-675-9435

 

You should call them if they havent sent it yet cuz maybe its lost