All of them! Credit means debt--a debt which you HAVE to pay back.....with interes. They're there to take your money. How do they do it? Very simple! You, often time in compelling circumstances, barrow $3,ooo, for example, then you have to pay their money back, the $3,000 plus an additional....let's say another $700.00 of YOUR MONEY. So they get their money back and yours, too! And they're all competing for your money. So they all develop different strategy rooter in psychology. One try to convence you that he can do by you better than the other guy but he must create this illusion in your mind. So all comes down to whos psychology is more effective. Of course I'm aware that you know all of this. We love y'all. Peace!

I'm not very familiar with subprime credit card companies, but I've seen offers for cards that had a $195 activation charge plus an unworldly annual fee and sky-high interest (APR). The US government stepped in after Providian, a subprime credit card company, held checks from customers. This resulted in a late payment fee as well as increasing their interest. Some credit card companies practice "Universal Default" where they will hike your interest rate, even if you've never been late with them, if your FICO score changes due to a late payment on another card or even getting a new credit card or loan! I dislike consumer credit cards (department store credit cards, gas cards, etc) because they charge such exorbitant interest rates and minimum finance charges. They're good for establishing credit because they're so willing to sign people up, but they don't do much good otherwise, except to perhaps save you 10% on your purchase (which you end up paying 21% interest on!). I've heard some horror stories about Capital One, but I haven't dealt with them personally aside from trying to get a credit card through them. (I only have one card, but it has a high credit limit. Apparently I don't have enough history to get their prime card. I can live without it.)

I think all are awful, if I had to pick just 1 it would be DISCOVER!!!!!!!!!