Here's the real deal with this card. 4.95 processing fee for your application. They do in fact inquire to your Equifax report. 150.00 annual fee as well as a monthly maintenance fee of 9.95. The worst customer service on the planet (I know what your thinking there is one company with over 200 usacomplaints.com for their credit card but this one is far worse).
These people are even reporting a 100.00 minimum payment to my credit bureaus citing that I sent them a letter saying that I wanted it changed fron 20 to 100 but can't produce the letter. They also tell me that I must send a letter to change the amount back to 20 even though I never sent a letter to begin with.
Even though company reps continue to tell me this I've spoken to supervisors that tell me the problem has been remedied when the amount still shows up on both my credit report after disputing it 3 times in two months and it still apears that way on my account online that I use to pay my bill.
Being that I ALWAYS pay online I could not have possibly sent them the letter that they claim that I did because I never even sent the application in the mail. It was all done online. The resultin reporting dropped my credit score 32 points and was the only change to the report. I have three cards for damaged credit of which two suck. The one from Arizona is the only one that I have had all positive experiences with even though they also have consumer complaintss on them.
I am not allowed to include the names of the other two companies in this report. Sorry if I've included any type-o's but I'm too angry to proof-read.
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