"So Far So Good..."
Tribute® Gold MasterCard® Credit Card Review
Written by: jeremy on 2007-04-20
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
jeremy's review: 
I saw an ad on a television commercial a couple of weeks ago and decided hey... What the hell might as well try it... What's the worse that can happen... Since I knew no matter what I do I would have to deal with the high interest rates and some annual and set-up fees to rebuild my credit. I went to purposemoney.com (which is the actual television commercial) and researched on the card. I came to the conclusion that there are two types of cards. One is called a Tribute Mastercard that is an unsecured credit card with a starting line of $300.00 and the annual fee of $150.00 and a one-time start-up fee of $79.00 (but once you get the card the minimum to activate the card is $20.00) you can make the payment over the phone, online, or mail it, but BEFORE you can use the card you have to send in the payment. It takes about 4 business days when you send the payment over the phone or online to activate the card and to actually begin using it. It takes 1-7 business days to activate the card if you mail in the payment so I suggest paying over the phone or online. The second credit card that they offer is called the IMAGINE credit card which is also unsecured the only issue is that you have to set-up an automatic payment plan if you are approved for this card... The good thing about it is that it is and unsecured line of credit. I was approved for the Tribute card and received the card in a timely manner (about 5 business days) and registered online on April 18th to make the initial payment to activate my card and the payment posted the next day. When I logged online to check my account they left a message stating that my payment posted and within 5 business days from April 19th (today) which will be April 25,2007 my account will be fully activated and ready for use. So far I haven't had a problem with this credit card. The only issue is I have trouble understanding the customer service representatives. But if you're basically going do your credit card payments online... And can avoid calling customer service... You should be fine using the card. But I do recommend the card for people trying to re-establish credit. Another PLUS is when you receive the card and are ready to activate the card they tell you that if you make your payments ON TIME for four months they automatically give you a credit card limit increase! I think that's a good perk!
I saw an ad on a television commercial a couple of weeks ago and decided hey... What the hell might as well try it... What's the worse that can happen... Since I knew no matter what I do I would have to deal with the high interest rates and some annual and set-up fees to rebuild my credit. I went to purposemoney.com (which is the actual television commercial) and researched on the card. I came to the conclusion that there are two types of cards. One is called a Tribute Mastercard that is an unsecured credit card with a starting line of $300.00 and the annual fee of $150.00 and a one-time start-up fee of $79.00 (but once you get the card the minimum to activate the card is $20.00) you can make the payment over the phone, online, or mail it, but BEFORE you can use the card you have to send in the payment. It takes about 4 business days when you send the payment over the phone or online to activate the card and to actually begin using it. It takes 1-7 business days to activate the card if you mail in the payment so I suggest paying over the phone or online. The second credit card that they offer is called the IMAGINE credit card which is also unsecured the only issue is that you have to set-up an automatic payment plan if you are approved for this card... The good thing about it is that it is and unsecured line of credit. I was approved for the Tribute card and received the card in a timely manner (about 5 business days) and registered online on April 18th to make the initial payment to activate my card and the payment posted the next day. When I logged online to check my account they left a message stating that my payment posted and within 5 business days from April 19th (today) which will be April 25,2007 my account will be fully activated and ready for use. So far I haven't had a problem with this credit card. The only issue is I have trouble understanding the customer service representatives. But if you're basically going do your credit card payments online... And can avoid calling customer service... You should be fine using the card. But I do recommend the card for people trying to re-establish credit. Another PLUS is when you receive the card and are ready to activate the card they tell you that if you make your payments ON TIME for four months they automatically give you a credit card limit increase! I think that's a good perk!
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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.
