I have an Orchard card and a Premier card. Both cards require either yearly fees or monthly fees and have not so great reputations. But they are helping me to raise my credit scores up. I don't like either of these companies but realize they are doing good right now. In the long run however probably not based on the $80 yearly fees and such.
My plan is to get better cards with more reputable companies (and no fees) once my scores are good enough to get them. but is this a good idea. I don't know if anyone has had luck with removing the fees or upgrading their accounts with these companies.
Premier account is 2 years old and Orchard is rather new. both have $300 limits and less than $30 currently on them. I'll probably want to keep them until just before the fees kick in again and move on to new accounts. any ideas would help. Thanks
If you don't mind paying a buttload of fees on those cards, feel free to keep them. Personally I'd try to get my hands on a secured card like the BofA 99/500 or a credit union card with a low limit and no AF.