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@wacdenney wrote:
@ojjlkjlkj wrote:My take is that many people building/rebuilding credit feel that they "need" these subprime lenders to give them an opportunity since other lenders won't. These lenders can easily capitalize on this since their clients likely need the lender more than the vice-versa.
Reminds me of my Orchard Bank card with a $300 CL and $59 AF. It hurt paying the fee, but it helped go from ~540 to the 700's
I had the exact same Orchard bank card with the exact same terms and it is now a QuickSilver One. I have to email every year to get the fee waived and as ridiculous as that sounds it is still far better than the other rebuilder choices. Mine has 2+ years of history behind it now and I will likely close it next year rather than bother with emailing them again, but I do not exactly loathe the card. It was there for me when I needed it in a big way and in a weird way I sortof feel nostaligic about it. I will sortof hate to see it go.
Orchard was bad.. but not nearly as bad as Credit One and First Premier! At least Orchard was "reasonable" for people with bad credit/no credit
@ggistny02 wrote:Why would a Credit Card Company charge the customer for a CLI?
You must be talking about my CreditOne card.
I'm getting a different Visa card very soon and I'll be closing my CreditOne for that very reason.
Run as fast as you can. Go get a secured card credit if you can.
Yeah!! The daily bash Credit one/first premere thread..