Action Card (Bankfirst)

Pros: Gave us credit!
Cons: Annual fee(updated3-8-01 this is now an 8.95$ monthly fee)

When we received the application in the mail for this card, I was a little skeptical. Actually, my husband received it, as I am just a SAHM and do not count to banking institutions, that and they do not(at least 2 years ago) have joint accounts. You can...

Pros: They give credit to those with problems.
Cons: High interest, poor customer service, strange policies!

I don't ever bite the hand that feeds me, let me say that first of all. I am thankful that anyone has given me credit after all I have been through... divorce.... medical bill write offs.... charge offs a few years ago... it's been bad!

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Pros: Easy Application
Cons: Customer Service is not Helpful, Strange Policy

When I received my application for Bankfirst's Action Card -- I read it carefully. I wanted to get rid of my higher interest card so I thought to myself: "Hey, why not?"

I applied for my card over the phone and was immediately...

Pros: Excellent customer service
Cons: high interest, low limit

I've been an Action Card holder for almost 5 months, after signing up with them in response to an offer received via snail mail. At the time, since I was (and remain) in the process of reestablishing my good credit standing, I was looking for cards from...

Pros: If you have bad (or no) credit they still approve you
Cons: Monthly fee, "renewal" fee, high percentage rates, credit review fee...

My husband received the application for the ActionCard and told me "write out a check for $99...I can get a credit card". If only I stopped to read the fine print myself...

Don't get me wrong, this is a good card if you don't have credit, or...

Pros: High fees and interest
Cons: They'll cancel your account quickly

I got this card about 9 months ago in an attempt to help rebuild my credit after a divorce. I was charged the $89 processing fee and the $59 annual fee when I got the card which had a $300 credit limit.

I wasn't thrilled about the large fees,...

Pros: good customer service
Cons: high interest rate and annual fees

I have been with Bank First for a few years now. Recently they merged and became Action Card. They are a great company to receive credit with. I went with Bank First to establish credit and they have been unremarkable.

There are a few flaws...

Pros: None
Cons: Fee whether you pay online or over the phone. Non-negotiable interest rates. Fees for everything.

This card and company suck! I've had this card for way too long and realized they were charging me a monthly membership fee of $8.95. I feel completely stupid for not realizing this years ago, but I did and called to cancel the card. When I asked if ...

Pros: I have nothing positive to say about BANKFIRST ACTIONCARD. They epitomize the word CROOK.
Cons: Highly unscrupulous business practices.

I was an excellent Bankfirst Actioncard customer for almost 5 years. I had both a Visa and a Mastercard. Because I had made my payments on time, Bannkfirst Actioncard agreed to lower my interest rates as well as the outrageous monthly fee they charge ...

Pros: I don't have anything good to say about them.
Cons: Hideous customer service VERY high rates and charges

When I paid off the balance of my BankFirst MasterCard and closed the account in March 2003, the customer service was the worst I have ever experienced! They were are disrespectful, unhelpful, condescending, and hang up on me. I vowed to never do ...

Pros: Generous with the limit increases, easy terms, easy to get, good customer service
Cons: Monthly fee

I got my Bankfirst Action Card about two years ago responding to an offer I received in the mail. Though the card does have a small monthly fee, the card is not expensive to own or use. My rate is reasonable and with responsible use there are no other...

Pros: Easy to get, good web site.
Cons: High interest, low credit line.

I first got the Action card when I was looking for Credit cards to establish credit. Before that I got an Aria Card which has been pretty good to me, both in establishing credit and giving me frequent Increases in the limit. The Action card looked like...

Pros: good customer service
Cons: high late and over the limit fees

I got the Bankfirst actioncard a couple of years ago because it had a lower interest rate than my other card. Bankfirst has great customer service people, they are always polite, friendly and helpful. Even when you pay your bill late! They also offer...

Pros: not many
Cons: hidden fees

I selected this card because I received a preapproved status and did not have a credit card yet. This was my first card and I really didn't know any better. When I called to apply I was told that I would be charged a one time fee of around $60.00 or so...

Pros: Friendly Customer Service. 24 hour Customer Service, Gold Benefits for being a Standard Card
Cons: $8.95 Monthly Membership Fee, $69.00 Enrollment Fee

I had my Bankfirst Action Card for a year and a half now and I have no problem with them at all. When I got the solicitation in the mail. I read it very and noticed that there were fees attached. But if you are a high risk like myself that is the price...