10-25-2012 02:25 PM
First Premier since I had mine at a awesome 79% interest rate. also because good companies will often reject you for having them in your reports.
10-26-2012 08:25 AM
I think the worst credit card is the Continental Finance Cerulean Discover. It has a $144 maintenance charge billed at $12 a month on top of that it also has a $75 annual fee. That is $214 dollars a year for a credit card with no rewards, 29.99% APR, and a $300 credit limit. Before you even receive the card you already owe them $87 and have a 29% UTL on the card.
UGH...CreditKarma "recommended" this card to me and I almost crapped my pants...I'm kinda shocked Continental Finance is still in business after all the crap they pulled the first time around.
10-26-2012 02:49 PM
CareCredit, for all the reasons detailed here: http://creditcardforum.com/blog/ge-care-credit-card/
The best financial vehicle available for medical expenses is a Health Savings Account (HSA), not one of these interest-beartrap credit cards where if you don't pay in full by the end of the promo 0% period you get jacked for all the retroactive interest.
Granted, not everyone can afford to save in advance for their healthcare, but even if you can't do an HSA because you can't afford it or the high-deductible health plan required is not right for your needs, there are credit cards available that can give you 0% interest without the stupid retroactive trap. CareCredit makes zero sense to me, and the shady practices of some medical practitioners who push it make me go "**bleep**?!?!?!?"
Visa Black Card - ridiculous lack of benefits for the AF; compare to the AmEx Platinum and just laugh.
10-26-2012 03:54 PM
So, what do you guys think are the worst credit card out there now? We all know that subprime and rebuiler cards are a no brainer when trying to choose the worst card.. But what about the worst PRIME credit card? Just because a credit card is prime doesnt mean its a good one! So what do you guys think is the worst prime credit card too??
The worst: anything from Capital One or BoA. (not based on my experience just from rumors).
The Worst Prime Cards: "Rewards" Cards issued by USAA, cuz their "rewards" are absoulty sucky!
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.