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10-30-2008 11:27 AM
Has anyone heard of this card? Ive been rebuilding with my secured card through my bank and received that preapproval offer in the mail yesterday. So I guess my fico is looking up. FINALLY! ANyway, just wondering if anyone has this card and their experiences with the co. so far. the bank is Plains Commerce Bank.
10-30-2008 12:10 PM
10-30-2008 04:50 PM
Don't get it. It's not worth it.
I have had this card for 4 years & 3 months. It STILL only has a limit of $350. They refuse to budge. I started at $250.
It charges me a $10 montly participation fee. The interest rate is 19.92%, which they also refuse to lower.
The customer service is terrible. The website isn't great, but at least they don't charge me to make a payment. Which, by the way, I can only do once every 10 days.
This card will definitely NOT grow with you. Take Orchard instead. Much better in my view. I have 2 Orchard cards now. The only reason I still have this card is because I have had it the longest, by almost 2 years over my next 2 oldest cards.
01-20-2009 06:20 PM
I received the Total Visa 04/08, called for a CLI 6 mths L8R in 10/08 ($25 increase to $275), and was told by the rep, that I could call in every 3 mnths for a $25 increase. Are you serious, only $25 every 3 months!!! If it wasn't 1 of the 6 rebuilder cards I started w/ in 4/08 I'd closed. But from what I understand here, I should keep it at least 2 yrs.
Now, here I am 3 mnths after my 1st increase, I just called on Saturday and was told it would take 3 days for a decision. At the most I'd expect another LOWSEY $25!!! That's ok though. After 2 yr mark in 04/10 I'll close. Plus my score simulator says I should expect a score of 730 by then, so we'll see. (At least they would have help get me decent scores).
02-10-2009 09:20 AM
02-10-2009 07:08 PM
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