Has anybody ever heard of this company? They were the first ones to offer me an unsecured card about 2 years after my bankruptcy was discharged, but I feel like I'm getting ripped off by them. They keep sending me credit increase offers where a $100 fee gets me $350 in credit (a pretty lousy deal if you ask me). Plus, they charge me $3 to make an internet payment.I have two cards from them with about $2G in debt, and I plan on paying these off first. Do y'all agree? My other accounts are with Providian, Orchard, and Capital One (semi-secured).Another question- can account closings affect a credit report negatively in the same way that credit inquiries do?
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