not worth the trouble. Basically you pay $10/month for a good trade line on each credit buruau. Seems fair. Capitalone's $99 dep for $500 limit still beats them hands down. Plus they have online account/payment.
I paid two First Premier cards for a year just for the history. What was funny was that after that year, they had only gone from $250 to $350, even though I had $12K in lines with low balanaces. Based on my conversations with them, once they issue you a card, they don't check your credit in relation to line increases.
I had a future card. It is not worth it. First, I got a measly line increase after 6 months, plus I had to pay a BUNCH of fees up front.
They will however drop the interest rate to 12.8 if you insist and there is no monthly participation fee ( as stated on the card agreement if you discuss it with a credit specialist). You have to be firm and they will go low on the interest, better than some regular (non-subprime) cards. I have a MC and a Future with them. No problem with customer service, Better than some of the others
I actually was considering keep the card if they lowered the APR, removed the annual fee and dropped the participation fee. They said they could do two of the three, but not all three. I could pick which two So I had them close the account.
DO NOT GET IT!!!!! They sent my husband a card, which he never activated. Then I received a bill for $173. Thinking it was his business card sent them $100. When they never received another payment they called. Once we went through everything we realized that they billed us for the fees! We are trying to get our money back, but it looks like we will lose! STAY AWAY!!!!!!!!!!1
