I also applied for a first premier card about a year ago. They said the limit would be up to 1000 dollars. I got it in the mail and the limit was 300 bucks. There was also a charge of about 100 dollars for a 1 time member fee and yearly fee so i was like this card is useless, im not activating it. Sure enough, 31 days after they sent the card, they said you are late with the payment. I said huh? I never even accepted the card. They said the card was active when we sent it, when you use the card its activated. I said i never used it. They said well you had 30 days to cancel. They also charged me 35 dollar late fee! I think i actually tried calling when i first got the card in the mail, but the place wasnt even open at 6pm EDT! They dont even answer calls on the weekends!
The first month i paid it all off, and the next month i didnt use the card. I didnt make a payment, because well, i didnt use the card. (i didnt look at the bill, my fault), and then the next month i recived a bill for $40 because each month was $3.95 fee and if you dont pay it that month, they charged you 35 dollars! For a measley 3.95!!! The stamp and walk to the mailbox isnt worth that! I had no choice but to pay the card off, and i kept it for a year. It came in handy once or twice in vegas. But with all the charges and interest, id say i paid off 600-700 bucks and actually charged myself maybe 150 dollars. Its actually hilarious.
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