Alongside my pretty new CSP card i received in the mail today, there was a also pre-approved offer from First Premier for $700.00 haha. I "burned" them awhile back after I was "approved" for a card that was already nearly maxxed out with fees before i even swiped it. I cut up the card and threw it away not knowing i was still on the hook. Didnt realize it was damaging my credit until i pulled a report years later. I had it removed thanks to the 5 year rule for New York State. Anyhow, just in case anyone was wondering, I think we have sufficient evidence that FP does not blacklist or hold grudges.... 
@MissCredit9 wrote:Alongside my pretty new CSP card i received in the mail today, there was a also pre-approved offer from First Premier for $700.00 haha. I "burned" them awhile back after I was "approved" for a card that was already nearly maxxed out with fees before i even swiped it. I cut up the card and threw it away not knowing i was still on the hook. Didnt realize it was damaging my credit until i pulled a report years later. I had it removed thanks to the 5 year rule for New York State. Anyhow, just in case anyone was wondering, I think we have sufficient evidence that FP does not blacklist or hold grudges....
On the other hand you should hold grudges against them for all those ridiculous fees they're charging.
It's a different business model with very different risk exposures, but those fees just seem wrong..... I would recommend others to just stick to debit / cash if they ever had to stoop so low to get FP.