steppke6

2 Contributions 844 People Helped

Member Since: March 2012

Most Helpful Contribution

Indigo® Platinum Mastercard®

May 01, 2019
Don't even bother
Helpful to 843 out of 889 people

This was one of my first credit cards out of bankruptcy. While obviously I was greatful they gave me a chance, they give you a firm $300 credit line. If your smart about your credit, you should know you should never go above utilizing 30% of your limit. Well 30% of $300, is $90. You can't do much with that. It's not even worth having, and it did nothing for my credit score. Half the time they did not even report my payments. And, they do not, under any circumstances, give credit line increases. I ended up cancelling my card after 3 years of being with them. There are other cards out there that will give you a chance with much more of a heallthier credit line. (First Premier, Matrix Card, Surge, First Savings Credit Card, Build Card, Fortiva and even Ollo). 

Activity (2 Total Contributions)

Indigo® Platinum Mastercard®

May 01, 2019
Don't even bother
Helpful to 843 out of 889 people

This was one of my first credit cards out of bankruptcy. While obviously I was greatful they gave me a chance, they give you a firm $300 credit line. If your smart about your credit, you should know you should never go above utilizing 30% of your limit. Well 30% of $300, is $90. You can't do much with that. It's not even worth having, and it did nothing for my credit score. Half the time they did not even report my payments. And, they do not, under any circumstances, give credit line increases. I ended up cancelling my card after 3 years of being with them. There are other cards out there that will give you a chance with much more of a heallthier credit line. (First Premier, Matrix Card, Surge, First Savings Credit Card, Build Card, Fortiva and even Ollo). 

Credit One Bank

Sep 23, 2019
No Issues at all
Helpful to 1 out of 5 people

I scratch my head how people have bad experiences with cards and want to blame the credit card company for eveything. Fees are disclosed to you when you sign up, so dont be surprised and act like you didn't know. Secondly, pay your bills BEFORE it's due and you wont be charged a late fee. I've had two of their cards for almost 4 years. Never once have I had an issue. I pay my bills on time and well before the due date. I never saw random fees or anything of that nature. Be responsible and you wont have any problems, it's that simple. They started me with low limits of course, but they offer automatic increases every few months. No complaints here.