That list of reviews is either terrifying or fake.... maybe both
FAKE NEWS REVIEWS 
@Bizambish wrote:Has anyone heard of this outfit?
I'm not sure why but I recieved a *pre approved offer!* in the mail from Fortiva
Highlights:
1000 Dollar limit selected just for me
175 Dollar Annual Fee in the first year, 49 dollars thereafter
150 Dollar "Account Maintenance Fee" per year billed at 12.50/Mo
33.24% APR
Zero card benefits of any kind
If anyone gets an offer from this predatory outfit please just put it directly in the shredder... Makes Credit One look like a tier 4 prime lender!
PS. Mods please move if in the wrong section, thank you
What has life come to?! These terms make me sick! Don't accept, OP. 
I actually have this card. I've had it for over a year (got it in May 2017). I was approved for a $1500 limit (OOOH! GOLDMINE! ), which they increased to $1529 after about 6 months (Rollin' in the dough, y'all! ). I mainly used it to travel back to Chicago, and I usually paid the balance off in the entirety every other month; I would deliberately leave, like, $20 or so on balance months to show utilization since no utilization is just as bad as high. No rewards or no miles or anything like that, but it served its purpose in leading me to obtain credit from more reputable companies like Chase and AMEX. I paid the balance off in full again about a month ago, so I will likely shelve this card and pop it out occasionally to buy a pack of gum or something to keep it alive.
@Anonymous wrote:
@Anonymous wrote:I actually have this card ... and pop it out occasionally ... to keep it alive.
Kill it. Seriously. It's time to REDRUM the mofo. Seriously. Kill it.
ROFL I started to reply that EXACT same thing! I scrolled down and saw yours.
That card MUST die! Preferably a horrible, painful death, in the shredder!
