@Creditdreamer wrote:Within the last couple months I have started really paying attention to the fees I was being charged by my credit card companies (especially the low level ones). One in particular is my Continental Finance card. They charge me $99 a year (I think) and $12 a month maintenance fee. I called a couple months ago and they reduced my monthly fee to $10 a month (oh wow, what a reduction! not....). Anyway, I called yesterday and they upped my limit to $400 from $300 but they wouldn't take away the fees. I went over my $300 CL about a year ago once or twice. Would it be worth the extra $10 to allow my next statement to cut and then close the card with it reporting the higher limit on my credit reports so it semi negates the couple times I went over my limit? Or should I just close it now and avoid the extra $10 fee?
Or has anyone had any luck getting them to take off the fees entirely? Credit One did that for me when I went to close the card. And they've upped my limit a bunch. Continental Finance is not as flexible obviously.
Close it now .This particular bank is the T-Rex of credit card predators. They make Credit one look like Bambi. Im serious. Save your credit please and do everything in your power to close them. If you google them. You will see that they have been sued my the Feds many times. The Feds also shut them down but they keep coming back up like weeds in your Garden. They just can't die. probably because customers like you are paying the crazy fees associated with this card. I got them off my credit last year after i had a federal case number that they were ordered to cease and desist. and remove negative marks from people credit who opened an account between 2007-2012. i remember like it was yesterday. I never activated the card. yet i owed them 600 plus dollars because i never paid my dues. to put a collection on me.I told them to eff off. i never even activated the card. They said it did not matter. pay or else. I said i prefer the or else. 
