Mark90210

3 Contributions 57 People Helped

Member Since: May 2014

About Me: Just trying to make ends meet.

Most Helpful Contribution

OpenSky® Secured Credit Visa® Card

Nov 18, 2019
Poor service, poor quality card.
Helpful to 29 out of 33 people

I suggest you look for a better card provider.  I have this card, but wished I'd not applied for it.  I don't close the account, bad idea for your credit score, I just don't use it.  They are not helpful, and if somehow you make a simple mistake, you pay dearly in high fees.   If you still need a secured card to rebuild credit, I suggest you keep looking. 

Activity (3 Total Contributions)

OpenSky® Secured Credit Visa® Card

Nov 18, 2019
Poor service, poor quality card.
Helpful to 29 out of 33 people

I suggest you look for a better card provider.  I have this card, but wished I'd not applied for it.  I don't close the account, bad idea for your credit score, I just don't use it.  They are not helpful, and if somehow you make a simple mistake, you pay dearly in high fees.   If you still need a secured card to rebuild credit, I suggest you keep looking. 

Fingerhut Credit Account issued by WebBank

Nov 18, 2019
Only good for build your total avail CR
Helpful to 24 out of 27 people

If you are rebuilding credit, thgis is the lowest of the low, but it is a start.  I only used it one time just to add to my overall available credit score.  The first and only time I "bought" something, they took the $30 out, of a total purchase price of $68. (this was the required first payment amount) A week later, after taking the $30 from my checking account, the only way you may make payments BTW, they emailed me to say the item was no longer available.

 I recieved a $30 credit, and they then force you to purchase another over-priced item. They would not refund the money to my account. My bank did charge it back to them though. I had to go thru the hassle of sending all my correspondance to my bank etc. pointing out the fraudulent nature of the transaction. Took about one month.

Reading the fine print, I noticed they will cancel your "credit" if you do not use the card once in awhile, so be advised.  Also never pay over time, as the interest rates they charge are astronomical.

Capital One® Bank

Oct 09, 2019
Horrible customer service.
Helpful to 4 out of 4 people

If you call, they love to drop the call, over and over again. I suggest you always ask for a supervisor immediately. At least if they want to waste your valuable time, you can do so with one of their employees making slighly over minimum wage.