CHICAGO, ILLINOIS -- I took this credit card offer three years ago...I had borderline bad credit and the offer seemed reasonable so, regardless of some over-the-top fees I thought this was an opportunity to upgrade my credit.
Now, I've had this card for three years...paid MUCH more than my minimum payment on-time every month and been, more or less perfect.
Since then I've requested a credit increase three times (by credit limit is a whopping $300) and in every case they denied me saying my balance has been over limit twice. Now, I've never once charged over the limit...in fact, it's impossible to do so. Each time it's been them putting their $50 annual fee onto my card, and then whacking me with a $30 over the limit fee that's put me over the limit). Still I've dealt with them.
So, this week I made a mistake and forgot to drop my payment in the mail. As of today it's about 48 hours late. Since then they have called my home 27 times!!!! Called my work 15! For a $30 payment when I've never been late? Are you kidding me?
I've cut the card in half and told them to go to hell. Worst credit company ever.
Oh yeah, and Bank of Bubba doesn't even have a company website. VERY impressive.