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Today DH received a preapproved offer from First Premier for a $700.00 CC.
This card has an annual fee of $175, of course that was in the fine print. I could not believe my eyes. I am an advocate of rebuilding credit; however, FP is a monster for preying on people.
I have been an FP customer and I understand they many help some but they are out of control.
That pales in comparison to 77% APR. You could get better rates on loans from Uncle Tony.
@sandsanta wrote:That pales in comparison to 77% APR. You could get better rates on loans from Uncle Tony.
Wow......
Insane. That's a definite PIF card. No excuses.
Did it have any perks?
$175 seems pretty crazy, unless you're talking about Amex.
No perks at all.
I received this same pre approval about a month ago. Shredded it. I don't care how desperate I am, I'll never take FP. Talk about predatory lending....
no way,,, cheaper cards to get history going
He doesn't need it. He has a Cash Rewards Visa through NFCU and 2 Cap One cards.
I just can't see wasting $15 per month, especially when he has history.
amen to that