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http://www.kcci.com/money/30415249/detail.html
Can you say predatory lending?
Sucks to be in a position to not be able to get better than this.
To avoid dueling threads, I'm locking this one to direct others here from this morning:
http://ficoforums.myfico.com/t5/Credit-Cards/400-a-Year-Credit-Card-NOT-Amex-Platinum/td-p/1214069