| Member since 2001
I also received the offer after turning 18 (I'm now 26). Despite their large 19% APR, I continue to carry this card with me because I never know when I might just have to have it.
Having worked collections for a notorious bloodsucking company, Cross County Bank (now Applied Bank), I learned right off the bat a week after graduating high school what idiots there are out there that don't have a clue how to handle a credit card.
Almost all banks out there charge a fee for "phone pay" regardless of whether its automated or done through a human. I do wish 1FBUSA would allow you to pay online for free like other companies (Chase, BOA, Discover, etc.). Until that time comes, I shall continue to send the check 10 days before the due date, never have been slapped with a late fee.
Simply said, if you pay your bill and pay it on time, you won't have an issue. Be careful on what you commit to in terms of APR, sign up or annual fees. Everything is disclosed and there for you, it is up to you to read it before agreeing.
1FBUSA is a good company to deal with as long as you have your ducks in a row. Those complaining about the company would likely have the same issues with others since they shouldn't have a card to begin with!
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