You guessed it first premier! It was a secured card 200 cl with no monthly fee but a 50af. They never hit me with the af last month so I decided to close it. Funny thing is when I called to close it the lady tried convincing me to keep it open and request that I have it reviewed to be unsecured. Then she goes on to tell me that I need to go to myfico.com so I can learn that closing credit card accounts can hurt me. I'm thinking if only this lady knew what this forum thinks of first premier lol.