My First Premier Pre-Approval letter FINALLY came today. 
Not only did I find great humor in being selected.. reading the atrocious fees made opening the letter that much more entertaining.
Keep in mind, this card usually starts with a $250 CL.
-Account Setup Fee: $20 (Because they can and you are a sucker)
-Program Fee: $95 (See above)
-Annual Fee: $48 (All cards have an AF right?)
-Participation Fee: $72 (Or $6 a month for your conveinence!!.. LOL)
-Monthly Maint Fee: $3 (Don't worry.. this only applies to closed account with a bal..ha!)
-Additional Card Fee: $20 (Annually per card.. Hey, this is high quality plastic here!!)
-CLI Fee: $25 ($25 for a $50 increase.. whoohoo!)
-Over the Limit Fee: $25 (To be expected)
-Copying Fee: $3 (Copying want exactly?)
-Internet Access Fee: $3.95 (Ummmm. ok. Because their online account access is THAT GOOD)
-Wire Transfer Fee: $5 (LMAO)
-Autodraft Fee: $11 (WTF??)
-Express Delivery Fee: $25 (Because you can't wait to use your $72 of avail credit)
-Return Item Fee: $24 (Huh?)
-Foreign Transaction Fee: 1% (Crap.. and I was going to book my trip to Fiji on this card)
-Premier Credit Protection: $0.89 per $100 (I am not even going there...)
On positive note you get 0% of 12 months for any BT. Might be hard trying to determine how to allocate across your $72 of avail credit!
Love the parenthetical comments
Wouldn't it be easier just to give them money every month without the card?
@MidnightVoice wrote:Wouldn't it be easier just to give them money every month without the card?
But you wont be able to show off your card to people
@Tuscani wrote:My First Premier Pre-Approval letter FINALLY came today.Not only did I find great humor in being selected.. reading the atrocious fees made opening the letter that much more entertaining.Keep in mind, this card usually starts with a $250 CL.-Account Setup Fee: $20 (Because they can and you are a sucker)-Program Fee: $95 (See above)-Annual Fee: $48 (All cards have an AF right?)-Participation Fee: $72 (Or $6 a month for your conveinence!!.. LOL)-Monthly Maint Fee: $3 (Don't worry.. this only applies to closed account with a bal..ha!)-Additional Card Fee: $20 (Annually per card.. Hey, this is high quality plastic here!!)-CLI Fee: $25 ($25 for a $50 increase.. whoohoo!)-Over the Limit Fee: $25 (To be expected)-Copying Fee: $3 (Copying want exactly?)-Internet Access Fee: $3.95 (Ummmm. ok. Because their online account access is THAT GOOD)-Wire Transfer Fee: $5 (LMAO)-Autodraft Fee: $11 (WTF??)-Express Delivery Fee: $25 (Because you can't wait to use your $72 of avail credit)-Return Item Fee: $24 (Huh?)-Foreign Transaction Fee: 1% (Crap.. and I was going to book my trip to Fiji on this card)-Premier Credit Protection: $0.89 per $100 (I am not even going there...)
On positive note you get 0% of 12 months for any BT. Might be hard trying to determine how to allocate across your $72 of avail credit!
I got one in the mail two days ago and I was just laughing my ass off. I wanted to call them up to laugh and hang up. LOLOLOL. Goodness gracious.
Tuscani,
In all your wisdom and knowledge, can't believe you would need a card with such a huge balance, I thought you had it going on?
Didn't you guys know his FICO scores are in the mid 400's. Not sure he would be approved anyway.
You forgot the fee for "paying" online... They charge you a "electronic check" fee to pay THEM. Disgusting!! 