This card is offered by Columbus Bank and Trust that does aspire and juniper not Cross Country Bank as originally posted by others a few days ago.Their phone application consists of getting your name,SS# and address/phone.They dont ask where you work,if you work or household income.They tell you right then if you are approved or declined and have limits of $300 to $10000. Phone number 877 291 3794.I am not affiliated in any way.
They may have switched affiliations. They originally were offering this card through CCB. They sent me an application when they first came out.
"Freedom Card, Los Angeles, is issuing the first credit card targeted specifically at African-Americans, Latinos and other minorities... To issue the cards, the firm has a partnership with Cross Country Bank." Source: http://www.spotlightonfinance.org/issues/November/Stories/story7.htm Saar
Is this a good card to apply for? I'm confused on the postings. I guess because I'm new with all the different names and associations. Thanks Nia
No. Never apply for anything associated with Cross Country Bank. There are better ways to build or re-build credit. Please do a search on the web and on this message board for Cross Country Bank, and you will see the reputation of this "bank" and how it has screwed many people over many times. It burns me up that this trash is targeted toward people of color.
Cuuriosity got the better of me so I decided to call the toll-free number and ask. Immediately, the rep went into application mode and I had a hard time getting her to slow down long enough to answer questions. According to the rep I spoke with, the issuing bank for the Freedom Card is Columbus Bank & Trust. There is no affiliation with Cross Country. As to whether or not there are fees involved, the rep told me it depends on your credit. I didn't like the sound of that. When I apply for a creditcard, I want to know what the terms are upfront. No doubt, this is a sub prime card. Columbus Bank & Trust issues the Aspire card and we've all read about the lousy terms accompanying that. My advice is to stay away! Donna
Donna. Thanks, my mistake on the issuer, Even still, as you said, I'd run from Columbus Bank and Trust. Aspire really abused my Dad and he has (probably) a 750+ credit score.
