I cancelled because I wanted a CLI, APR reduction and them to waive the annual fee. They wouldnt so I closed.
3 weeks later I started getting email and letters in the mail offering me a new account.
Ended up taking it, no hard pull (im not sure if its going to show as my old account reopening or a new account, so my AAoA may of taken a hit)
The yearly fee isnt due until next year and is only 45 dollars now, apr is 19% and came with a 200 cli.
So they dropped my APR about 10%, gave the CLI and halved the yearly fee.
Wont use the card for anything though I now have plenty of credit elsewhere, will cancel it in another year before the AF is due again. Kind of glad they offered much better terms this time around 
Because I wanted to 
They are a great company to deal with. The % starting from day of purchase isnt a deal killer for me (as thats about the only thing not normal compared to most other cards, you can also PIF the next day and then theres nothing at all different about this card compared to most others), yeah it sucks but even with the card maxed out Ill owe what, 10 dollars or so end of month?
THe AF is negligable, I wont be paying it and its lower than half the other cards AF fees out there.
So as long as you manage your credit responsibly, this is a great card to have and is the same as every other CC out there pretty much.
I also like adding it to my overall utilization although it doesnt matter anymore
*edit*
Its also got (other than a special timed financial deal) the lowest APR out of all of my cards at 19%. Not great but im still rebuilding.
Yep I did.
and there isnt much creditone love, captool usually is right on those posts bashing the card for being horrible. I think I am one of the few people who dont think the card is so bad.
Anywho, thanks for the congrats on my re new card
Everyone is different, and have the likes of different cards. Some people wonder why I want so many store cards....my answer..."because I do!" plain and simple, its your life, your credit, your decision. Congrats to you on getting the card YOU want
Reply to Mims0f4
They have not ever charged me or wife for a CLI, 4 total CLIs so far, 3 on me and 1 for wife.
Yeah their customer service is hard to understand, similar to all cards that arnt US based customer support.
They probably dont care, its not their company. I did have the guy I cancelled from try to get me to keep my card and offered things I did not ask for if I stayed. So whoever I called, did want me to stay.
45 and 95 does matter to me, one is double the other. I like the 45, its 6 dollars more than my BofA AF and within 5 dollars of all my other AF cards. They charge per month after the first year yeah, which makes it harder to control your credit if you arnt on top of it all the time. But in all reality, if you pay that monthly AF fee the day its due, you dont get charged interest. Yeah its spread out over the year, but its still just an AF like any other card with an AF. If you keep up on your credit, this is not a big deal.
Grace period yeah, the whole time thats the only thing ive said is not good about this card. But if you only use the card when you have the money and pay your bill the day after you use it, the grace period is null. If you carry a balance on your card, yeah, probably not the greatest card for you.
I think its a good card because most of what you wrote is totally untrue from my experience with them.
*edit*
First year you are billed for the entire year, after that the AF is a monthly fee. I didnt make that very clear above
