I have had many credit cards and I still have many credit cards. I have been around the block with everybody. Quite honestly I am very surprised that Capital One is getting hit with a lawsuit. As for Household one month I got extremely busy and I forgot to pay the bill. I acknowledged the over sight and sent them a monster payment for that month and each of the next three months. Meaning there was enough to get me below the credit limit and pay the bill for that month. Do you know that for the next three months I got nailed with an over the limit fee even though each time I was below the credit limit. The other cards to avoid are Bankfirst and Providian. Providian I am checking to see if the interest rate that they are charging is legal in New Jersey. Bankfirst if you exceed the credit limit by a penny and it could be by some dopey fee they charge they will start in with the the harassing phone calls before the bill ever gets to you. Bankone, I am saving the best for last, I paid them off and canceled the card, a month goes by and I go out and get my mail and do you know that they billed me a dollar because there was still interest within the month in question. So Duchess47 you can add Providian, Bankfirst and Bankone to your list of companies never to do business with.
Thanks, I'll do that.