I got this card 2 1/2 years ago when my credit was around 590. After keeping balences low I was able to get approved for a Capital One Quicksilver at 1500 and then from there I applied and was approved for Barclay's Arrival Card at 2500. Both of those cards have seen credit line increases. Through this time I had to deal with First Premier's annual fees, maintenence fees and crazy interest rates but you got to do what you have to do to rebuild your credit. My credit is now in the 700s after paying off all old debts and keeping my credit utilization low. I called today to cancel but they offered me 25 bucks and I had just paid my annual fee. I have it on my calendar to cancel my card before I hit my next annual payment. Credit Cards aren't meant to be maxed out, ever! Keep low balences or better yet pay your cards off each month and you will find your credit rising each year. It is not a sprint, it is a marathon.
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Most Helpful Negative Review
These jokers closed my cards because I said I was thinking about closing them. I wanted to negotate down my annual fee as I was able to get a better deal on other cards. Not only would these fools not do anything about the annual fee, I found out a month later the CSR actually closed my account when I never authorized him to do so. The buisness practices of this company is very shady. Avoid like the plague as this is the worse company I have ever seen. Super suprised at how frustrating it is to do anything with this company. Not Apply.
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