I have paid my bills on time and yet a company tries to charge me $204 for a second credit card with a $350 limit after 6 invitations to apply. I am wondering what paying your bills on time, making over the minimum payment, and not going over credit limit gets you? Even though my credit does not have a stellar past, I am a new practioner that could use an emergency fund. I have written the CEO about how they rate their loyal customers—but I don't expect a response. I cut the card the card up, will not do business with a company that has no respect for people with intergreity, and will pay off the balance on my initial card. Sorry First Premier Bank does not see the 'little guy' as their future fortune.
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