@rootpooty wrote:
@CreditScholar wrote:
@rootpooty wrote:am i the only one who has a decent agreement with them? i have a whopping 200cl but nobody wanted to give me credit 6 months ago so i went with FP. 200 cl with 19.99apr isnt that bad to start out with
What about fees?no fees. i didnt enlist in online payment nor do i pay over the phone. i simply use my online banking to pay my small balance every month. ive heard about a monthly service fee once the card hits one year but i plan to axe them anyways at the one year mark
You may want to review your T&C again...........that sounds way too good to be true for FP!
@rootpooty wrote:
@LS2982 wrote:
@rootpooty wrote:
@CreditScholar wrote:
@rootpooty wrote:am i the only one who has a decent agreement with them? i have a whopping 200cl but nobody wanted to give me credit 6 months ago so i went with FP. 200 cl with 19.99apr isnt that bad to start out with
What about fees?no fees. i didnt enlist in online payment nor do i pay over the phone. i simply use my online banking to pay my small balance every month. ive heard about a monthly service fee once the card hits one year but i plan to axe them anyways at the one year mark
You may want to review your T&C again...........that sounds way too good to be true for FP!
i reviewed everything. it doesnt matter cause i only charge a few bucks here and there but still i was shocked when i heard how nasty they were after i got the card. like i said no worries cause im canceling the card soon
You also might wanna check your reports too a buddy of mine got screwed over with them on 30 day lates and it was their fault and he didnt know how to dispute until I showed him.
@pipeguy wrote:
@bichonmom wrote:
@Booner72 wrote:Not only high APR (I had 29.9999), but monthly fee of 6.00. Plus fee for online payment - had to enroll and pay a 5.00 "one time" fee; over the phone payments cost each time (Can't remember).
I called and canceled as soon as we got a CU Visa. They wanted me to stay so offered me 30.00 not to cancel. Spent the 30, then called and canceled. I was so happy to get rid of those blankety blank blanks.
(I have to give them some credit, which was giving me a cc offer right after BK, so at least that was something I was doing right after BK to rebuild).
BUT GET THIS - a friend at work and her DH filed BK and he got this card, and his APR is 49%!!! IDK why the took it. And I can guarantee you they have a balance.
I just think this sort of thing should be illegal. Period. That is beyond punitive. I didn't get a CC until my BK came off because I refused to pay the outrageous fees by FB, Orchard, etc. I wonder what the CC act really accomplished if charging these outrageous rates is legal.
As long as the politicians are in bed with the banks and CCC's it's not going to change, and it hasn't since 1978.
http://www.creditcards.com/credit-card-news/marquette-interest-rate-usury-laws-credit-cards-1282.php
I did wonder that, it was always SD or DE.
My APR was 19.99, had $7/monthly fee and I think $29 annual fee. Just canceled it yesterday though!
