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@LS2982 wrote:
In all honesty if you do PIF and use your bank account to pay on it there are no real fees out of the ordinary to deal with.
But most people that can only be approved for those type cards tend to not PIF and get those astronomical APR's applied to their balances.
+1
True story. Even still, OP if you can get approved for something else, please go there. Don't want to be caught in a situation where you had all the intention in the world to pay in full and "something comes up" that prevents you from being able to do so. The interest rate is outrageous.
RUN!!! Wish I never made that mistake 5 years ago.....they are horrible.
I disagree with everyone here. I do agree that you should seek out ALL options before you go with FP. If all else fails then you need to make a commitment to yourself. If you commit to PIF every month and you are willing to pay half your initial CL in fees go for it. You can use them for a year to build your credit and drop them before the next years AF. If you cannot pay for what you charge (which you shouldn't be doing regardless) then by all means take the advice of everyone here. However if you are responsible and cannot get any other card then you shouldn't cross FP off your list.
CreditOne however I agree with everyone - stay away - any credit card that lacks a grace period (starts charging interest immediately) you should stay away from.
Also, FP DOES NOT GW, PFD, etc so if you screw them you can plan on having it stay on your CR for the entire 7 years. no exceptions. They prey on subprime customers and will do what ever it takes to keep you in the subprime bracket so that they can continue to suck you dry.
Sound advice here
@Jlu wrote:I disagree with everyone here. I do agree that you should seek out ALL options before you go with FP. If all else fails then you need to make a commitment to yourself. If you commit to PIF every month and you are willing to pay half your initial CL in fees go for it. You can use them for a year to build your credit and drop them before the next years AF. If you cannot pay for what you charge (which you shouldn't be doing regardless) then by all means take the advice of everyone here. However if you are responsible and cannot get any other card then you shouldn't cross FP off your list.
CreditOne however I agree with everyone - stay away - any credit card that lacks a grace period (starts charging interest immediately) you should stay away from.
Also, FP DOES NOT GW, PFD, etc so if you screw them you can plan on having it stay on your CR for the entire 7 years. no exceptions. They prey on subprime customers and will do what ever it takes to keep you in the subprime bracket so that they can continue to suck you dry.
@Jlu wrote:I disagree with everyone here. I do agree that you should seek out ALL options before you go with FP. If all else fails then you need to make a commitment to yourself. If you commit to PIF every month and you are willing to pay half your initial CL in fees go for it. You can use them for a year to build your credit and drop them before the next years AF. If you cannot pay for what you charge (which you shouldn't be doing regardless) then by all means take the advice of everyone here. However if you are responsible and cannot get any other card then you shouldn't cross FP off your list.
CreditOne however I agree with everyone - stay away - any credit card that lacks a grace period (starts charging interest immediately) you should stay away from.
Also, FP DOES NOT GW, PFD, etc so if you screw them you can plan on having it stay on your CR for the entire 7 years. no exceptions. They prey on subprime customers and will do what ever it takes to keep you in the subprime bracket so that they can continue to suck you dry.
Totally agree!!!!
OP Before I found this site and the quest for the ultimate credit score. I had nothing but negs on report and no open or closed good accounts reporting. I got a first premie and was faithful like a nun. I am now in possession just 8 months later of Discover JcPenny Lowes and Freedom+ a new car lease. Check other options but if all else fails use it like gum cc and PIF when you get home then put the card in the drawer and use it for something small to report and again PIF. My interest rate is 49.9% I thought that was usary but it is what it is my anniversary is October and off they go before 75$ AF. THe only way I would even keep the card is if they did no HP and upped my limit to at least a 1,000. Then I'd use it for the occasinal coffee. But lets face it that is not going to happen and 300 CL isnt really gonna shake up my utility. Good luck
my friend filed bk 7, 2 yrs ago and after that he got a first premiere cc with 700cl, he had max out and he pays like 30bucks + a month for monthly charge.this month theyre going to charge him annual fee of $49 + monthly fee of 14.99
his credit card are:
first Premiere
credit One
capitol one
hsbc
all have annual fee and he max out.lol.