I have 2 First Premier Cards, These are my two oldest Cards. 1 Mastercard CL(500) and 1 Visa (800)CL.
Now I have a credit score of 769 so why the hell would I keep these cards?
Simple they are my oldest cards + they have a monthly fee of $7. So It is a extra two payments everymonth that reflect good on my credit. In just under 2 years I have gone from 500-760+ CS. It is doable guys.
The APR is insane at 29.99%, have never called to ask for a CL increase. I call ever year to get the $55 anual fee waived which is ontop of the $7 monthly fee. They dont pull my credit just do it because i pay em $14 bucks a month.
If you are rebuilding your credit this is pretty much your only option, First Savings, etc Applied Bank, First Premier is a leader among bullies in the poor credit catagorey.