F.P. is one choice you can make when you are working your way out a credit mess. There are others. Their fees are obscene to be sure. BUT they will help you improve your credit situation.
F.P. , Applied Bank, Orchard should be thought of as "temporary cards" to be kept long enough to establish a positive credit history and higher FICO scores. Once you have done that you are free to apply for better quality cards. And you should.
