Credit Cards

[nathan]

That's a stinking cc. Avoid it like a plaque. If you really need a builder cc, try orchard.

[haulingthescoreup]

Just out of curiosity, what are your scores now, wmarat?

I'm guessing you're up in the 760 range, at least. Why on earth are you still on their mailing list???

[plasticman]

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nathan wrote:
That's a stinking cc. Avoid it like a plaque. If you really need a builder cc, try orchard.

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I know nothing of Fist Premier but based on the previous post before this one I thought they were being recommended. Well..the joke is now on me! LOL

[haulingthescoreup]

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plasticman wrote:

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nathan wrote:
That's a stinking cc. Avoid it like a plaque. If you really need a builder cc, try orchard.

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I know nothing of Fist Premier but based on the previous post before this one I thought they were being recommended. Well..the joke is now on me! LOL

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Oh, hey, we're all about irony and tongue-in-cheek here.

First Preemie is one of the awful, awful, sell-us-your-plasma-in-exchange-for-credit-scores banks.

[plasticman]

LOL. My sarcastic humor is par for the course then?

[haulingthescoreup]

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plasticman wrote:
LOL. My sarcastic humor is par for the course then?

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I honestly don't think that there is anything that you can say about First Preemie that is bad enough to earn objections here.

[creditwherecreditisdue]

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haulingthescoreup wrote:

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plasticman wrote:

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nathan wrote:
That's a stinking cc. Avoid it like a plaque. If you really need a builder cc, try orchard.

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I know nothing of Fist Premier but based on the previous post before this one I thought they were being recommended. Well..the joke is now on me! LOL

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Oh, hey, we're all about irony and tongue-in-cheek here.

First Preemie is one of the awful, awful, sell-us-your-plasma-in-exchange-for-credit-scores banks.

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Can I do this somewhere? Will it cement my High Achiever status?

Message Edited by creditwherecreditisdue on 09-08-2009 08:19 PM

[plasticman]

Thanks HTSU...I truly would never want to intentionally offend anyone! It is good to know First Premier opinions would not. 

[haulingthescoreup]

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plasticman wrote:
Thanks HTSU...I truly would never want to intentionally offend anyone! It is good to know First Premier opinions would not. 

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You know, sometimes we find ourselves in a position where we have to make nice to folks like First Premiere. And if that's what it takes to get us moving on down the credit road, then so be it.

But they are most definitely not someone that you're going to want to hold on to for the long run. They are what they are: a rebuilder card. You pays your money, and you gets your benefits. And once you've mutually used one another, then you let one another go.

Message Edited by haulingthescoreup on 09-08-2009 05:29 PM

[hampstenj]

yep, FP is a stinking CC. However I just got it, Yeah fees are pathetic, and trust me if it wasn't for the fact that it was the only unsecured CC that I could get, other than Hooters card(hadn't applied for that yet, and I don't really want to, more ethical wise with some folks in the family).I've had some bad mistakes in my past, Charge-offs of a Walmart Discover, and a US bank card, plus an verizon wireless chargeoff.  (Young, Foolish, didn't realize how bad I could get myself in trouble, so now I'm paying the price for it)...

   my plan is in a couple of months is to get a good secured card from Wells Fargo, BOA, or even Citi. But I want a good secured card that will not be stuck on a cliff if you know what I mean. I feel so lucky just to even GET an unsecured card, even if it is from the black plague. I have a 628 EQ fico, that's a 10 point jump with the new FP card on it. 

Best advice on how to deal with this would be welcomed...