From what i have gathered from looking in this forum and others as well are a few Credit Card issuers that you should run away from as soon as you see them. My information comes from myFICO, Creditboards.com, and The Rip-Off-Report.com. These are some of the worst offenders.
First Premier Bank: This company issues only sub prime credit cards that I wouldn't recommend anyone carry. They charge over the top processing fees, and annual fees that rival a mortgage payment. Fees $72.00 they call a participation fee. Credit Line maybe $250 with a 28 to 29.9%APR
Other cards they go by: Centennial Gold, Centennial Classic mastercard
Orchard or Household / HSBC bank: This bank offers the same thing as above, but a little different. They have a $79 annual fee and a $49.00 processing fee. What are you processing? opening the account as you are supposed to do and they extend the same types of credit lines sub prime only with a starter 8% but when you get the card they change the rate on you to 28 or 29.9% Credit Line maybe $300 with few increases.
Plains Commerce bank: This bank issues the card "TOTAL Visa" they are another violator that charge people outrageous fee the get their cards. $96.00 programming fee, $56.00 set up fee, $48.00 annual fee, $9.50 charge to close your account. Yes, they charge you to close it. Credit lines will be $150.00 to $200.00 fee's are due when you get your card with your paltry credit line.
Capital One: I'll go somewhat easy on them as they are not too bad in their practices BUT, they have gotten in the weeds with the sub prime credit cards that they offer cards with paltry credit lines, and annual fees of $19 to $39 for cards they state are Platinum cards but in name only as these cards have $150.00 to $300.00 credit lines with APR of 17.8% to 29.9% variable.
New Millennium Bank: This bank is at the bottom of the barrel, they offer both Visa and Mastercards, they not only charge you to set the accounts up at $129.00 for their processing fee, but require a deposit of funds so you can set your credit limit with a APR of 19.9% and to close the account they require three form of I.D. to get your money back from the security deposit being held. And that take 3 to 6 month's to process.
So i have laid it out for everyone to see, I don't have any experiences with these banks as i would never get into bed with these crooks. The bottom line is this ladies and gentleman, NO ONE should ever have to pay to get some credit established.....credit problems or not. Go to you local bank or Credit union....preferably a credit union and explain your situation and the a small line established and you will be on your way back.
So if you see these banks in your rear view.......put your foot on the gas and get outta there. 
