"Great Experience"
Tribute® Gold MasterCard® Credit Card Review
Written by: annas on 2008-01-18
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
annas's review: 
I received a pre-approval letter in the mail last week and reviewed the terms ($9.95 monthly fee with a $1000 limit and 19% interest rate). I am trying to re-establish my credit after a bankruptsy case about 6 years ago and thought I would give the card a try and see if I "really" was pre-approved. So over the weekend I filled out the online application and was actually approved, chose the rush option for $20 and my card arrived 3 business days later via UPS. So far I am greatly pleased and will recommend this card to others (plus it comes with various bonuses). Only downside is that they post on their website that there is a $4.95 fee for making a payment online. :-(
I received a pre-approval letter in the mail last week and reviewed the terms ($9.95 monthly fee with a $1000 limit and 19% interest rate). I am trying to re-establish my credit after a bankruptsy case about 6 years ago and thought I would give the card a try and see if I "really" was pre-approved. So over the weekend I filled out the online application and was actually approved, chose the rush option for $20 and my card arrived 3 business days later via UPS. So far I am greatly pleased and will recommend this card to others (plus it comes with various bonuses). Only downside is that they post on their website that there is a $4.95 fee for making a payment online. :-(
3 Comments
Comment 1 by hjm331
Congrats! 
on 2008-01-18
AnnaS, you should've tried Hooters or Capital One. They are also cards for credit builders with all the non sense fees. I have a First Premier Bank Mastercard, they would charge me $7.00 to make a payment but I pay them through my Bank of America online bill pay which is free.
on 2008-01-18 AnnaS, you should've tried Hooters or Capital One. They are also cards for credit builders with all the non sense fees. I have a First Premier Bank Mastercard, they would charge me $7.00 to make a payment but I pay them through my Bank of America online bill pay which is free.
Comment 2 by vingstar
No Fee For Online Payments on 2008-01-18
I've had my Tribute Mastercard since September 07 & am never charged to make a payment on their web site.
on 2008-01-18 I've had my Tribute Mastercard since September 07 & am never charged to make a payment on their web site.
Comment 3 by mtj2150
Also A Good Experience on 2008-01-19
I have had mine since October... No problems here either.
I am never charged for online payments (??? Not sure why) and unlinke many other subprime cards these guys post the payment pretty much immediately for me. Strange, this is the same bank (First Delaware) as CONTINENTAL FINANCE M/C and that card places a 7-15 day payment "hold" on almost anything you do!
So far so good with customer service too. No issues. But I treat my cedit cards like checks - I always pay off balance in full the day the stmt comes out - so no harassing calls or last-minute issues with me. It may be diferent if I'm ever late!
Crossing my fingers so far.
P. S. Credit score shot up to 660/650/655 from the low 500s in under 3 months thanks to these subprime cards. I'm actually considered "Fair" now!! These cards are expensive, but for those of us rebuilding THEY DO WORK if you treat them rght.
on 2008-01-19 I have had mine since October... No problems here either. I am never charged for online payments (??? Not sure why) and unlinke many other subprime cards these guys post the payment pretty much immediately for me. Strange, this is the same bank (First Delaware) as CONTINENTAL FINANCE M/C and that card places a 7-15 day payment "hold" on almost anything you do!
So far so good with customer service too. No issues. But I treat my cedit cards like checks - I always pay off balance in full the day the stmt comes out - so no harassing calls or last-minute issues with me. It may be diferent if I'm ever late!
Crossing my fingers so far.
P. S. Credit score shot up to 660/650/655 from the low 500s in under 3 months thanks to these subprime cards. I'm actually considered "Fair" now!! These cards are expensive, but for those of us rebuilding THEY DO WORK if you treat them rght.
Please login or register for free to view your stats, add reviews and card application results, or post comments.
Credit card reviews and comments are posted by user submission and do not warrant the opinions of Finance Globe.
Disclaimer: This content is not provided by First Bank of Delaware. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by First Bank of Delaware. Review content is powered by Finance Globe.
Disclaimer: This content is not provided by First Bank of Delaware. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by First Bank of Delaware. Review content is powered by Finance Globe.
