To rebuild my credit I allied for a MartiX Discover card finance by Continential Finance. I understood the set up fees and annual fee and paid them. They gave me a credit limit of $350.00, paltry, but understood. I keep the account at least $100.00 below the credit limit and paid $62.50 by-weekly keeping the account more than current. At the end of a 12 month period, they increased my credit limit to $400.00, then turned right around and charged the $75.00 annual fee, (was prepared for that), and a $12.00 monthly maintnance fee, (WHOA, had not seen that fee the 1st 12 months)). In short, they wanted to charge me $219.00 annually for an account with a $400.00 limit. That is twice what I paid to open the account! So by keeping my account current, and being responsible with my card, I was to be penalized an additional $144.00 a year! (BS) I called them, requested some of these fees be waived. Got it reduced to a $65.00 AF, and $10.00 MMF, (BS) I closed my account, and my pre-scheduled bi-weekly payment will have this BS account paid off by 11/01. If you are looking to rebuild, use Capital One. I have 3 of their cards and will use them to continue to rebuild. No annual fee after the 1st year, no "monthly maintenance costs", and higher credit limits. This card was a true rip off .
The complaint has been investigated and resolved to the customer’s satisfaction.