astuartgirl

BofA sux. The charge fees on fees! and I use to work there so I would know.

ok i have never used this one ... but i took the others advice and mint.com is very cool ... :-) no more signing in to 6-7 different sites ... it even has my 401k through work.

Why do you have to pay interest on your own money?

This is a good card to have if you can not get a checking account and have a job that has direct deposit. There are no fees except the month fee of $5.00 and the ATM withdraw fee of $3.00 plus whatever the ATM charges.

You can get around that fee by buying something at Walmart for example and run it as a debit and get cash back. It only costs 50 cents.

It really helps if you have a problem with bouncing checks because you have no checks and you can pay bills with it.

I have had an Orchard Bank and Platinum (same company - HSBC) for 3 yrs and they are no better. They shorten the pay period and raise rates whenever they want. I pay every month on time and always more than the minimum. I was .03 over the limit for 4 days before I made a payment and they dinged my credit with an over the limit report.

I really sucks that we have to have credit cards to repair or establish credit and they can do anything they want.

By the way, I have a question, I have heard that you should keep these open because closing them dings your credit so how do you get out from under them?

Also, should you run a balance or keep them at $0. I have heard both.

572 and was denied.