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Written by: kirk on 2007-10-03

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kirk's review: Callout Comment I was too cavalier in the past with my credit, bills, and managing my money. I paid the price and was left with a poor credit score. I have learned my lesson, taken responsibility and generally wised up to the fact that great credit is paramount to success and saving money.

I knew up front what I was getting into with this card, but the initial fees are a small price to pay for a banks willingness to extend credit when many of us maybe don't deserve it.

I took the plunge, already made my first payment early... Over the phone with a nice lady. In short, I got what I deserved and the fees I pay for this damned thing are well worth every penny because better credit will save me so much more $ in the future. I get it.

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