This company offered me a credit card through the phone by BANK FIRST telling me that I have a $500 credit limit, but there was a membership fee of $129.95. When I received my card I activated it, then i tried to use it the next day, but it was declined. I called in their customer service and they tell me that I have to put in my own funds into it. So I found out it was a pre-paid credit/debit card. The reason why I filed this consumer complaints is because when they offerred this card to me they did not state that it was a pre-paid credit card. Basically, this company was just trying to make money by using memebership fees.
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