MJsChick

4 Contributions 208 People Helped

Member Since: July 2011

Most Helpful Contribution

First PREMIER® Bank MasterCard® Credit Card

Nov 19, 2013
Get only if you're desperate!
Helpful to 128 out of 135 people

First I wanted to make sure I read all the reviews before I submitted mine. So I'm not really saying anything original, just inputting my $0.02. This card sucks. Majorly. And if you can avoid getting it, please do so. However, it can be used as a tool to improve your credit if you use it the right way. Personally, I was on the way to repairing my credit with a credit card in Capital One's credit repair program. I was doing really well and had just gotten my first increase when I had to be out of work for 8 months. My short term disability payments were just enough to cover the cost of my health insurance, so the Capital One card was one of the first things to suffer, unfortunately. Once I began working again, there were just too many expenses for me to be able to take care of that card and it was closed and sent to collections. Now, a little over 2 years later, I have a better job that pays more and I am able to repay my debts. A part of my plan to increase my score again ("high" 400s) was to get another unsecured card and make the ontime payments. I no longer qualify for Capital One, and I've been getting solicited by First Premier for years. So I finally sucked it up and paid the $95 fee. Then I held my tongue when I was charged the $75 annual fee before I even touched the card. And I even managed not to spazz (too badly) when I had to pay $4.95 just to view and pay my account online. I honestly have never encountered more rude or less knowledgeable customer service. I have only had one semi pleasant experience and that was with a representative who clearly knew that what I was dealing with with FP was just stupid, so she had a really apologetic tone. I think it's ridiculous that FP will hold my payment for 8 days before applying it to my account, despite their website saying that web payments are applied at midnight unless the payment is processed after a certain time. I think it's borderline unethical to charge enough fees after 12 months that I could feasibly be at 75% utilization without touching the card for a purchase. But, it is what it is. It's a bad credit card. If you get it, use it sparingly. Monitor your credit closely and if you don't see improvement, trash this card and go elsewhere. Stay aware of your balance at all times. My plan for this card is just to use it for automatic payments for my satellite and internet bill, just so that there is occasional usage and on time payments. If you plan to actually use this as a credit card, be prepared for the consequenses, and they will be costly!

And to all the people that have glowing reviews for this card, I find it hard not to believe that those aren't planted reviews. Because no one who is in the position to have to apply for this card, could be that happy to pay this much for a measly $300 limit or have it long enough to reach a $1000 credit limit without switching to a lower interest rate card for people with good to excellent credit.

Activity (4 Total Contributions)

Capital One® QuicksilverOne® Cash Rewards Credit Card

Jan 07, 2020
Just what I needed!
Helpful to 75 out of 75 people

I was very surprised when CK suggested I apply for this card.  I thought there was no way I'd be approved for an unsecured credit card with Cashback rewards.  But, I was approved with a $300 limit!  The $300 is the lowest offer, but it was just enough to start rebuilding my credit.  I've had it for 3 months now and have paid it off in full each time.  My credit score is already starting to rise and I've been so satisfied with the credit card that I opened a checking and savings account with Capital One as well.  In 2 more months I should be eligible for my credit limit increase.  The customer service I've had has been great with only one experience being so-so by what I assume to be an inexperienced representative.  I love their app as well.  The trick to this card is to be honest with yourself.  If you don't have the income to be able to pay the balance, in full, every month, don't get it!  Minimum payments are ok, but won't do you any favors once the interest starts to build.  The only thing that keeps this from being a 5-star review is the fact that I haven't gotten the increase yet.  Once that's received, I may edit!

First PREMIER® Bank MasterCard® Credit Card

Nov 19, 2013
Get only if you're desperate!
Helpful to 128 out of 135 people

First I wanted to make sure I read all the reviews before I submitted mine. So I'm not really saying anything original, just inputting my $0.02. This card sucks. Majorly. And if you can avoid getting it, please do so. However, it can be used as a tool to improve your credit if you use it the right way. Personally, I was on the way to repairing my credit with a credit card in Capital One's credit repair program. I was doing really well and had just gotten my first increase when I had to be out of work for 8 months. My short term disability payments were just enough to cover the cost of my health insurance, so the Capital One card was one of the first things to suffer, unfortunately. Once I began working again, there were just too many expenses for me to be able to take care of that card and it was closed and sent to collections. Now, a little over 2 years later, I have a better job that pays more and I am able to repay my debts. A part of my plan to increase my score again ("high" 400s) was to get another unsecured card and make the ontime payments. I no longer qualify for Capital One, and I've been getting solicited by First Premier for years. So I finally sucked it up and paid the $95 fee. Then I held my tongue when I was charged the $75 annual fee before I even touched the card. And I even managed not to spazz (too badly) when I had to pay $4.95 just to view and pay my account online. I honestly have never encountered more rude or less knowledgeable customer service. I have only had one semi pleasant experience and that was with a representative who clearly knew that what I was dealing with with FP was just stupid, so she had a really apologetic tone. I think it's ridiculous that FP will hold my payment for 8 days before applying it to my account, despite their website saying that web payments are applied at midnight unless the payment is processed after a certain time. I think it's borderline unethical to charge enough fees after 12 months that I could feasibly be at 75% utilization without touching the card for a purchase. But, it is what it is. It's a bad credit card. If you get it, use it sparingly. Monitor your credit closely and if you don't see improvement, trash this card and go elsewhere. Stay aware of your balance at all times. My plan for this card is just to use it for automatic payments for my satellite and internet bill, just so that there is occasional usage and on time payments. If you plan to actually use this as a credit card, be prepared for the consequenses, and they will be costly!

And to all the people that have glowing reviews for this card, I find it hard not to believe that those aren't planted reviews. Because no one who is in the position to have to apply for this card, could be that happy to pay this much for a measly $300 limit or have it long enough to reach a $1000 credit limit without switching to a lower interest rate card for people with good to excellent credit.

OneMain Financial Personal Loans

Jan 10, 2020
Helpful to 4 out of 4 people

If you don't mind me asking, what was your credit score when they approved you? CK has suggested them to me with good approval odds, and I would love to use this as a debt consolidation loan to pay off some other things quickly. But I don't want the hit to my score if I'm not going to be approved.

Capital One® QuicksilverOne® Cash Rewards Credit Card

Jul 14, 2011
Helpful to 1 out of 1 people

I have made many mistakes in my youth that negatively affected my ck score.  I have not been able to correct them all, so my score is still below a 550.  I applied for this card and I was approved for $300.  It's not much, but it's a start!  Thank you!