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LOL!
VERVE is one of the cards I burned in BK 1.5 years ago. They were so nice to forgive me and send me a solicitation. (I am serious that it was nice of them.) However, I am wiser now than I was when I first had their card. Their solicitation is going straight to the trash. The 29.90% APR isn't a problem, but I promised myself: no more AFs or MFs. (Annual or Monthly Fees, LOL!) It feels good not to chase every CC I'm offered....
Good call.
Right decision. Predatory cards with AF/MF and no grace period on interest can serve as a last resort means to an end for someone who destroyed their credit so bad that there's simply no other alternative to getting some positive reporting again, but man...They're just an absolutely awful cost of doing business. With secured card options from Discover and Cap One relatively easy to qualify for, there are just better options out there for rebuilding. Good call on your part.