Review by kkendra
January, 10 2013
Pros: You get a CC that will report if you pay on time
Cons: All the fees and how they update your purchases
Review by jrn1347
October, 24 2012
Cons: Anything you can think of!
Review by walker2527
May, 01 2012
Pros: Their credit is easy to obtain, but you'll be sorry that you did!!!
Cons: Their monthly fees and interest rate are atrocious and their customer service is non-existant.
Review by wehaverights
January, 20 2011
Pros: None. EVERY other way or re-establishing credit is more favorable than this option.
Cons: Everything. Stay away and if you are already with them: report them.
Review by mttang34
July, 12 2010
Pros: Lets you build some decent credit if things are paid in a timely manor.
Cons: Excessive fees of course!
Review by dyushta
June, 28 2010
Pros: Builds Credit
Cons: Extra Debt if you dont pay it on time.
Review by dalifan1
May, 24 2010
Pros: Improves your credit if used properly
Cons: Start up fees can be killer if you're not prepared to pay them up front
Review by sgtlynchwife
April, 09 2010
Pros: Having a credit card in a pinch.
Cons: Fees, payment availability, zero credit line increases, fraudulent advertising, and illegal credit card practices.
Review by simplymo
February, 26 2010
Pros: You have a credit card
Cons: Tons of fees
Even more fees
Review by lamitchell
January, 13 2010
Pros: A starting point in re-building your credit
Cons: High fees - know the terms before you go in
Review by ahowe07
December, 30 2009
Pros: low fixed APR, bad or no credit OKAY
Review by mloudal
December, 04 2009
Pros: FIRST PREMIER IS NOT TO BE TRUSTED!!!!!!!!!!
Cons: FIRST PREMIER IS NOT TO BE TRUSTED!!!!!!!!!!
Review by gunnerr
August, 05 2009
Pros: the card had a nice design.
Cons: you could never buy anything due to fees
Review by talkdude
July, 17 2009
Pros: most apps approved
reports to all credit reports,
gives 5% payment credit
Cons: fees for website payments, credit increases, annual fees
website is not exactly user friendly
Review by ratman1949
May, 15 2009
Pros: ABSOLUTELY NONE !!!!!!!!!
Cons: EVERYTHING !!!!!!!
Review by mikeinneenah
April, 09 2009
Pros: No Pros All Cons
Cons: This is the worst imaginable organization that rips off the struggling poor! Shame on Them
Review by flxiblemetro
October, 30 2008
Pros: Help build or rebuild your credit
Cons: Huge upfront fees
Review by basaladino
September, 25 2008
I have no pros for these companies who prey on the impoverished.
Cons: I have no cons for these companies who prey on the improverished.
Review by creamn2sugars
September, 19 2008
Pros: Could be helpful in rebuilding a low credit score
High fees, annoying phone tree, poor customer service, payments average 3 days to process
Review by xdizzy
July, 22 2008
Pros: About half of the customer service reps are kind and helpful.
Cons: Everything dealing with the actual company.
Review by val-e
April, 18 2008
Pros: A way to reestablish your credit if you have no other way,low interest rate.
Cons: Too many fees, initial low credit limits and sometimes stingy with increases.