I got a preapproval for Southwest airlines CC and I noticed it was provided by FUSA. Anyone have this card? How is the CS? the beginning CL's? Who did they pull for you. Hubby has 7 new accounts ( mostly AU's from me) and he REALLY needs his own. I figure, kill his score now with new accounts and then he'll be all set a couple of years from now.
I have had it for about two years. Don't know who they pulled because I was not watching my reports at that time. They check your credit at least once monthly (soft inquiry). You will have the typical FirstUSA problem with this card. When you get a sizable balance, they will jack your rate to over 20% for no reason. I have perfect credit, no derogs, never late - they jacked my rate on all three of my firstUSA cards. If you get a balance on the card, just be sure you have a place to move it. But, here is the great part. If you max out your card, and they jack your rate to 20+%, they start flooding you with promos offering 9% balance transfers to pay off those "high rate cards". Another problem with them is that they tend to lower your credit line for no reason. They lowered my CL from $8500 ot $3000 when I got up to $3000. So, my card became maxed out overnight. Also, after a few months, they reduced the number of SW miles you get using the card. I figured I needed $750,000 in charges per year to get a free flight. And, they charge an annual fee. If you are thinking of using them, check out some of the FirstUSA websites like FirstUSA sucks. The predominant complaint is them jacking the rates of clients with balances. All of my complaints are geared toward FirstUSA, not Southwest, which is a great airline. Sorry for any misteaks - we have a new kitten who just discovered the computer keyboard today.
