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Forgot about one other place. First Premier!
Before you read this, of course I'm not going to accept the offer, or any FPB products.
When I pre-qualed with them about a year ago it was the $300 CL with a $95 "processing fee".
Well when I pre-qualed today. I was pre-approved for their secured card. $300 CL with a $150 deposit.
Sounds good? Well of course not, APR still 36%, $75 "introductory" 1st year AF, then $123 a year after.
Didn't even know FPB had secured cards.
@FixMyCredit1992 wrote:Forgot about one other place. First Premier!
Before you read this, of course I'm not going to accept the offer, or any FPB products.
When I pre-qualed with them about a year ago it was the $300 CL with a $95 "processing fee".
Well when I pre-qualed today. I was pre-approved for their secured card. $300 CL with a $150 deposit.
Sounds good? Well of course not, APR still 36%, $75 "introductory" 1st year AF, then $123 a year after.
Didn't even know FPB had secured cards.
Are you still up looking at pre approvals?
At those rates they don't turn anyone down, they can call it a prequal all they want, still barking up the wrong tree?
I think the one, best thing you could do right now to improve your credit, would be: get a second job.
You would have more money to pay your cards off, and less time to obsess about your credit. Think you could go one full week without logging in to credit forums, pre-apping, apping, checking on your reports, score, etc.?
Beats Wells Fargo........