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Discussion in 'Credit Talk' started by ???, Nov 24, 2000.
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It may be a scam.Don't do it.I havn't heard about any bank under this name.The holidays are here,and the scammers are here too.Just be very careful who you deal with.
I got an offer from Millenium Bank about two months ago, that closely resemble First Premier-like marketing literature. The letter stated that you could apply for a visa and/or mastercard credit card with a credit line up to $5k. The catch is, you have to deposit a minimum of $200.00 for either or both cards. There is a membership fee associated with the card, a very expensive application fee of about $129.00 for each card or both cards and a processing fee of about $49.00 for each card. By the time you sent in your deposit, up to $5k, or worse yet, your minimum deposit of $200 for a card, you would have less than $20.00 available credit to use the card. On top of all these fees, they also charge the annual fee of $89.00 with the second billing cycle. So, if you sent in the minimum payment (after the first billing cycle), after depositing the minimum to get a card ($200.00), the over-the-limit fees of $29.00, start to kick in. What a joke of a credit card offer. I tore open the envelope to do the math, and kindly shredded their offer. There are better deals out there, even for the credit-challenged like myself and others. Have a look at Wells Fargo Bank's secured card (www.wellsfargo.com), if you really need a decent credit card with a low APR 14.5% and for an extra $25.00 annual fee per year, you can even earn frequent flyer miles, for every dollar you spend.
Happy hunting, TommyC
I vaguely remember receiving their solicitation last Spring. It was not impressive. As I read the info, they had high fees and No real credit limit. I think it is secured. Read the back. People need to read these things carefully, and then just throw them in the trash if they are scams.
i recieved an application from them today. my offer has an annual fee of $59,a processing fee of $35.00 for a full privilege secure visa/master card.up to $5000.00 credit line. and a reinstatement fee of 70.00 per occurrence what ever that means what a rip off.
I've recieved one also,it's a rip off!!!! I guess those that are really desperate and see no other alternative would go for thi and those like it.
I see that Millenium Bank has toned down their fees a bit, but I still think they are too high. Has anyone tried Umbrella Bank's www.umbrellabank.com)Secured Credit Card? Just Curious, if they are what they purport to be? Thanks, TommyC
I have the New Millennium Bank visa card. I got it in April of this year. If I remember correctly, there was a $35 processing fee plus your deposit for your line of credit. An annual fee I believe was $49 and was applied to your balance on the first billing. Haven't had any problems with it.
Hey IKH what is your credit limit. is it $5000.00
Your credit limit is equal to the amount of your deposit. I was told they do not have unsecured cards.