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05-04-2008, 09:14 AM
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#1
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Join Date: Jun 2006
Location: Old Bridge, NJ
Posts: 932
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credit scam?
So I had just applied for a credit card (first premier bank) and when I applied it said nothing about annual fees, program fees, and all that BS. I just got the card and now I'm being charged 179 bucks?! For what I haven't used it yet. Someone's gonna hear it tomorrow when I call. Anyone else get F'ed over or had a similar situation?
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05-04-2008, 10:25 AM
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#2
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MIR
Join Date: Jul 2005
Posts: 9,692
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No, i read over all the stuff i apply for.
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05-04-2008, 10:37 AM
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#3
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Join Date: Jun 2006
Location: Old Bridge, NJ
Posts: 932
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so did I. I read every page, and it didn't say anything about these fees that I have to pay for
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05-04-2008, 11:09 AM
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#4
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Join Date: Sep 2007
Location: Poconos, PA
Posts: 606
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those are "secured" cards . Your credit limit is probably 250 bucks and the 179 is their way of insuring they wont too big of a hit. you should have read the paper work 
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'96 Z28 Vert M6 - UMI LCA's,UMI SFC's,BMR Panhard rod(soon to be UMI),UMI Short Shifter,Custom clutch, SLP CAI, SLP Strut Brace, Skip Shift Elim, MagnaFlow Catback,160 stat, Tb bypass, Air Foil ,prothane motor mounts & tranny mount, Stainless Radiator Shroud, Hooker headers with magnaflow hiflo cats, brand spanking new tranny, Umi torque arm , C5 brakes all 4 corners .
Soon to come... New paint , and glass .
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05-04-2008, 11:11 AM
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#5
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Join Date: Jun 2006
Location: Old Bridge, NJ
Posts: 932
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i really did read every word
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05-04-2008, 11:34 AM
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#6
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Join Date: Jan 2008
Location: Middletown
Posts: 76
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Quote:
Originally Posted by SupermanX24
i really did read every word
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Yup that's first premier for you. I have since dropped them like a bad habit. I was due for one of those annual fees from them last year, I had no charges on the card so the day I got the fee I cancelled the card and they took back their fees.  I really did hate them.
If you have bad or so-so credit try Juniper, they have low interest rates, some-what high limits and no anuual fees.
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White 96 Camaro Z28- Magnaflow Catback, Magnaflow Cats, SLP Shorty Headers, CAI, 58mm BBK Throttle Body, UMI STB, UMI Tubular LCAs and Panhard Bar, MSD Coil, Outlaw Trans with 3600 stall Torque Converter, 3.42 Rear Gears and PCM-For-Less Tune.
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05-04-2008, 12:07 PM
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#7
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Join Date: Jul 2004
Location: West Long Branch
Posts: 13,598
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Call up the bank, ask them what are these fees, and have them highlight them for you in the docs YOU have.
Or even better, call up, pretend like you would like to open up a credit card, and ask if they have zero fees or charges to own it. If they say no fees/charges, ask for the name of the person you are speaking too, and then go down there to talk to the branch manager, and have him or her highlight the part about the fees and ask why you were lied too over the phone, if that is the case.
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2/20/2013: They Day the ****s Stopped
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05-04-2008, 12:16 PM
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#8
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Join Date: Jun 2006
Location: Old Bridge, NJ
Posts: 932
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sounds like a plan
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05-04-2008, 05:30 PM
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#9
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Join Date: Oct 2004
Location: SOUTH JERSEY
Posts: 581
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yes secured card. they charge the 179 as insurance. once i paid that.(i didnt charge anything until i paid the card off. and used the card a little like 30 a month. and paid in full each bill. 6 months later i had a 4000 limit. its worth it if you have bad credit. or cant get accepted elsewhere.
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1987 PONTIAC FIREBIRD SHOW WINNER current
1888 Trans Am GTA current
1989 PONTIAC FORMULA WS6 M5 355 sbc 501hp (sold)
1995 PONTIAC FIREBIRD M5 V6 ( sold )
1989 Trans Am GTA 5.7L 67000mi current
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05-04-2008, 06:56 PM
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#10
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MIR
Join Date: Jul 2005
Posts: 9,692
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bad some of you have some ****** CCs.
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05-04-2008, 07:12 PM
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#11
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Keyboard Tough Guy
Join Date: Jul 2004
Location: Trenton, NJ
Posts: 6,341
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Yeah, I've never heard of such a thing to be honest.
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05-04-2008, 07:20 PM
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#12
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Join Date: Jul 2007
Location: North Jersey
Posts: 345
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I get like 4 of these in the mail every week. The paper work explains how much they will rape you in charges. Ya gotta read this stuff or they will take advantage of you. Try Capital One or Household Bank. They don't hit you with processing fees and monthly maintanance fees..ETC,ETC. Gotta read the paper work or they will screw you to the wall! 
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2013 Chevy Avalanche Black Diamond Edition, 5.3, K&N
CAI, Magnaflow Exhaust, Blackbear Tune, Ram Air Hood
1999 Jeep Cherokee XJ
1979 Pontiac Trans Am WS6, working on it
1990 Pontiac Trans AM WS6, Sold
2002 Pontiac Trans Am Firehawk ,#1368 Sold
1995 Pontiac Trans Am, Traded for Hawk
1979 Pontiac Trans Am,Black, Never had a chance
1979 Pontiac Trans Am,Silver, Oak Tree in my way
1979 Pontiac Trans Am Red WS6 sold
Last edited by zuuhlsT/A; 05-04-2008 at 07:20 PM.
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05-04-2008, 08:29 PM
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#13
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Join Date: Jan 2008
Location: Middletown
Posts: 76
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Quote:
Originally Posted by zuuhlsT/A
I get like 4 of these in the mail every week. The paper work explains how much they will rape you in charges. Ya gotta read this stuff or they will take advantage of you. Try Capital One or Household Bank. They don't hit you with processing fees and monthly maintanance fees..ETC,ETC. Gotta read the paper work or they will screw you to the wall! |
Household was taken over by HSBC...I had a Household card, but they sent me an HSBC card after the merger/buyout.
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White 96 Camaro Z28- Magnaflow Catback, Magnaflow Cats, SLP Shorty Headers, CAI, 58mm BBK Throttle Body, UMI STB, UMI Tubular LCAs and Panhard Bar, MSD Coil, Outlaw Trans with 3600 stall Torque Converter, 3.42 Rear Gears and PCM-For-Less Tune.
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05-04-2008, 08:41 PM
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#14
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Join Date: Jan 2008
Location: Jersey City, NJ
Posts: 622
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i just got the same card like two days ago lol. A friend of mine has it and it actually helped his credit a lot. it went from a 510 to over 630 in a year.he also started with the same limit as us. 250 limit with that rediculous 179 initial charge. he did say that they didnt give him any more problem afterwards though. as long as the payments are done on time, especially if its done by a bank card, they dont have a reason to bust your balls. He was on time with all his payments as well as his other credit obligations. settled two accounts. that credit card was the only credit card he could get and like i said it helped. While i dont expect this to be the only thing to help my creidt, itll definatly be a great tool. hopefully it will be for you too
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1987 IROC-Z L98 T tops
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2001 Pontiac Grand Am SE V6 (currently for sale PM me for details)
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05-05-2008, 04:40 AM
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#15
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Avatar Abuser
Join Date: Aug 2004
Location: 08721-1716
Posts: 5,056
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i did one of those cards, as well, and it helped me get back on track. now i have 5 visa/mc cards, lowes, home depot, sears and jc penney. my credit report shows my only credit as revolving (CC), but i do show the history of the mortgage, etc., because once i became disabled EVERYTHING went into the wife's name. except my baby, which no one better even breath on.
back to credit, have you guys heard of lifelock? http://www.consumeraffairs.com/news0.../lifelock.html
i am going to reserve judgment on them. i can't quite figure out if they are a concierge service (doing something for you that you can do yourself) or if they actually do something that you can't do, or that would be cost-prohibitive to do yourself...
btw, down at the bottom of the page there is a link to get to the 3 credit reporting agencies so you can check your credit report (free, one a year) if you haven't already done it. kind of interesting to look over my shoulder at the obligations life throws at you.
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Last edited by jims69camaro; 05-05-2008 at 04:41 AM.
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05-05-2008, 06:43 AM
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#16
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Join Date: Dec 2005
Location: Mays Landing, NJ
Posts: 7,108
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It's on your paperwork, read it again. I had one back in the day and it's legal/legit.
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2018 Camaro 2SS Redline package, ESC Novi 1500 tuned by EFX, Might Mouse wild catch can, GM STB, smoked ZL1 3rd brake light, Xpel XR Black 35% tint all around, Street Scene front splitter, C7 Carbon ZL1 side skirts, Drake Muscle Car Wickerbill spoiler
2010 Infiniti G37x-Moonlight White w/Graphite interior. Stock...for now. Xpel XR Black tint(hey it's a mod lol)
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05-05-2008, 08:06 AM
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#17
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Join Date: Jul 2004
Location: West Long Branch
Posts: 13,598
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Ahhh well yes you got a secured credit card. I am seeing more and more of these now with the big credit crunch. You didnt get nailed with credit fees or finance charges, you just got duped into a different credit card then you thought you were getting. I dont know what your contract is with them, but I would belive to cancel it, toss it, and get a traditonal card.
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2/20/2013: They Day the ****s Stopped
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