FlexCard Program has a wonderful scam that is extremely creative and is perfect at deceiving the credit starved consumer. After they immediately approve you for $1,500 for a charge of $69 you can get approved for an addition $1,500! WoW!!! Then, you get an email that there is a delay with the company that they order the cards from. If you decide to continue to wait for the card they will happily reimburse you your $69. Unfortunately, after that point you will never be able to connect with anyone again. The office is always closed because they are probably spending everyone's $69, which I'm sure adds up fast. If you know you have bad or poor credit and you are approved for any card offering more than a $300 limit and also a fee than you are being scammed. Remember, if it's too good to be true that is because it's a big flag to zip up your wallet and walk away. Orchard Bank, First Premier and Capital One. Those are the best way to build or rebuild your credit. It's takes time so be patient but you'll be happy when your in the 650's and up.
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