onewoodee

I have a CK score of 571 and I got a prequalified offer in the mail from Capital One last week which I responded to. I just got my card this week with a $500 limit!

I have two accounts with First Premier. Unlike most Bad Credit cards - this is a true unsecured credit card. Yes, the startup fees are high, but they report to the credit bureau every month. They have great customer service, and will grant you credit limit increases as you progress with ontime payment history (as long as you are not maxed out). I would recommend this to people who are having a tough time rebuilding their credit, who can be responsible with a low limit credit card.

Compared to Western Union or other services to send money to someone remotely, this is a very good deal.

AccountNow iAdvance Line of Credit is like a payday loan. Rates aren't quite as high, but buyer beware.

The low fees tend to make me think this card is for good credit only, but the fact that they require income verification makes me think otherwise. Anyone have any insight?