I have had this card for several months now. After filing BK in 2004, it was one of the few cards that would allow me to apply and approve my application. Yes, the fees are tremendously high. However, because I am considered "high risk" I am willing to pay them to get my credit back on track. They have reported me as an on time payee to the credit bureaus, and all is well with that.
I have had no trouble with the customer service, or anything of that nature. I recommend paying with a money order or Cashier's check. However they will hold funds if you pay online, or with a personal check. My bank charges $.50 for a money order, so I go that route. Check it out - you won't be disappointed.
SAN FRANCISCO, CALIFORNIA -- Rewards 660 visa, AKA Meta bank is a huge rip off, 1st they charge you a lot of fees to get the card then when you pay them they hold you funds for 14 days. When you question them about their policy they hang up on you. This is a GIANT RIP OFF. STAY AWAY.
CALEDONIA, MINNESOTA -- I have had the rewards 660 card now for almost a year, and I don't know about anyone else but this is the best card I have ever had. I have had no problems with their people and I have always gotten my increases as stated, maybe some of us should be thankful a little more to the people that will give us the credit we need, since most of us with bad credit probably don't deserve credit cards anyway.
SIOUX FALLS, SOUTH DAKOTA -- This company is all about taking your money and giving you absolutely no service. The fees are outrageous and the customer service consists of morons. After filing a complaint with the BBB, I have yet to get my resolution with this company. Do not apply for this card! It has been 3 months now and I am still waiting for an end to this nightmare! Finally after months of waiting, I received closure on Sept. 22, 2005 with a huge sigh of relief. Thank you BBB!!!