Checked my mail and got a First Premier credit card pre qual offer. The offer is a $700 SL with an annual fee and monthly fee. I couple of years ago I would have jumped on it but since being a member here I have learned so much and built a better profile so this goes in file 11!
Funny they sent me one to the other day and just for fun I had to read it. If it was the same offer it should be illegal here is what I remember.
36% APR
75 AF
96.00 Service Fee for the first year (Paid at 8.00 a month) then 144.00 (paid at 12.00 a month)
I was like 
have they not seen my CR!! I know it's not the best ,but why would I even consider this lol. This really should be predatory lending level.
Hey, that's better than the 79.9% APR cards they were offering a few years ago!
Although when you factor in those ridiculous fees, I'm sure the APR is really up to around 70 or 80% anyway...
@Anonymous wrote:Funny they sent me one to the other day and just for fun I had to read it. If it was the same offer it should be illegal here is what I remember.
36% APR
75 AF
96.00 Service Fee for the first year (Paid at 8.00 a month) then 144.00 (paid at 12.00 a month)
I was like
LOl I got the same offer and was thinking the same thing!
@Dalmus wrote:Hey, that's better than the 79.9% APR cards they were offering a few years ago!
Although when you factor in those ridiculous fees, I'm sure the APR is really up to around 70 or 80% anyway...
Ain't that the truth!! I figured if I wanted to get robbed on the highway I would go to a bigger town and get mugged on the street where they only take what's in your pocket and not your future income.