"First With No Annual Fee..."
iTunes Rewards Visa® Card Review
Written by: maribella on 2008-06-06
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
maribella's review: 
I have been trying to rebuild my credit for about two years now. I have gotten so many bad deals on cards with plenty of annual fees, monthly charges, and account set up fees. I thought I would try for this card through the apple site, they gave me a credit limit of $250.00. I didn't think they would approve me since my credit wasn't all that great, but I kept the card because there was no annual fee. I have had this card for about six months now, and I decided that I would try for a credit limit increase. I had a hard time figuring out how to go about getting one. I had checked their website for links, and called the 1-800- number on the back of the card, but still nothing. So I decided to send them a message on line. They email me back very quickly and tell me if I would like to go ahead with asking for the increase to email them back. I very quickly get a email back saying I'm not allowed to ask for an increase on my card, and get declined for it. I'm okay with that they said that they will be monitoring my account to see when I'm eligible for an increase. A week has passed, and I go to see how much I owe on the card, and I have a credit limit of $700. I was thinking you just turned me down for a cli, and then go ahead and give me money. But in conclusion this was one of the first cards who gave me a chance with no annual fee, and with horrible credit, and for that reason I think I will keep it. Plus they do offer rewards for itunes.
I have been trying to rebuild my credit for about two years now. I have gotten so many bad deals on cards with plenty of annual fees, monthly charges, and account set up fees. I thought I would try for this card through the apple site, they gave me a credit limit of $250.00. I didn't think they would approve me since my credit wasn't all that great, but I kept the card because there was no annual fee. I have had this card for about six months now, and I decided that I would try for a credit limit increase. I had a hard time figuring out how to go about getting one. I had checked their website for links, and called the 1-800- number on the back of the card, but still nothing. So I decided to send them a message on line. They email me back very quickly and tell me if I would like to go ahead with asking for the increase to email them back. I very quickly get a email back saying I'm not allowed to ask for an increase on my card, and get declined for it. I'm okay with that they said that they will be monitoring my account to see when I'm eligible for an increase. A week has passed, and I go to see how much I owe on the card, and I have a credit limit of $700. I was thinking you just turned me down for a cli, and then go ahead and give me money. But in conclusion this was one of the first cards who gave me a chance with no annual fee, and with horrible credit, and for that reason I think I will keep it. Plus they do offer rewards for itunes.
6 Comments
Comment 1 by hjm331
Congrats! 
on 2008-06-06
Just keep making your payments on time and don't go over the limit and you will be on the right track! Remember, the more credit cards you apply for, the more it will hurt you.
Good Luck
on 2008-06-06 Just keep making your payments on time and don't go over the limit and you will be on the right track! Remember, the more credit cards you apply for, the more it will hurt you.Good Luck
Comment 2 by arod
Congrats on 2008-06-06
Great card... Congrats I have this card with a $2200 credit line. And yes I agree with HJM331
Take care,
Alex
on 2008-06-06 Great card... Congrats I have this card with a $2200 credit line. And yes I agree with HJM331Take care,
Alex
Comment 3 by lindalu
How Horrible Is Your Credit? on 2008-06-06
I am looking for these kind of cards... That approve people with not so good credit... I mean my credit was excellent until a financial hardship and had to file bankruptcy last year... So I was wondering how bad your credit is if you got approved and to determine if I might even have a chance... By the way... Try the infamous "hooters card... At hooterscard.com... I got $500 credit limit in April...
good luck
on 2008-06-06 I am looking for these kind of cards... That approve people with not so good credit... I mean my credit was excellent until a financial hardship and had to file bankruptcy last year... So I was wondering how bad your credit is if you got approved and to determine if I might even have a chance... By the way... Try the infamous "hooters card... At hooterscard.com... I got $500 credit limit in April...good luck
Comment 4 by hjm331
This Is Great! on 2008-06-08
I love how everyone is reading threads from the past and helping all the new users. Thanks for helping us out everyone, we really appreciate it! I will post a new thread about this in the forum tomorrow. I would like everyone to at least post once to that thread.
on 2008-06-08 I love how everyone is reading threads from the past and helping all the new users. Thanks for helping us out everyone, we really appreciate it! I will post a new thread about this in the forum tomorrow. I would like everyone to at least post once to that thread.
Comment 6 by beckettpg8
Approved Cancelled on 2008-06-12
I was approved after i-net apply. Card received 2 weeks later and never activated/used in April 08.
Rec'd letter when cr canceled after the fact due to many inquiries and cards opened in the last 60 days.
L Soriano
lsoriano@SJM.com
on 2008-06-12 I was approved after i-net apply. Card received 2 weeks later and never activated/used in April 08.Rec'd letter when cr canceled after the fact due to many inquiries and cards opened in the last 60 days.
L Soriano
lsoriano@SJM.com
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Disclaimer: This content is not provided by Barclays Bank. 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 Barclays Bank. Review content is powered by Finance Globe.
