James - sincerely, genuinely friendly James was sincerely and genuinely friendly and warm, while also demonstrating detailed knowledge of the speed at which various forms of payment go through. He was able to quickly cancel bank payment so I could then pay with a debit card. It really was one of the most pleasant and fun exchanges I've ever had with a credit card company.

My card has been locked for 4 weeks now… My card has been locked for 4 weeks now for no reason. I sent the requested information 3 weeks ago and I’ve been getting ignored ever since. I was told this time it would be unlocked last Wednesday. Haven’t had access to my card for a month now. Everyone I have talked to is acting as if they don’t have any idea what’s going on. Not sure what to do.

Potential $800 limit What an exceptional credit product.. Sure I agree with everyone that the initial fees are next to outrageous but since I'm working on rebuilding my credit it's understandable that they're taking a risk and there's a price for the risk... BUT.. where else can you get a card with a $400 limit and 6 months later have it turn into an $800 limit which works wonders for your Utilization Ratio bringing your score up... As long as you don't charge up your new $800 limit, otherwise you'll be in the same boat and actually pretty borderline stupid... So take advantage of this great $800 opportunity.

Exceptional Service! I was considering cancelling my card and giving up on FIT due to the terrible service I had gotten from a previous representative today. I called back and God did me a favor today he blessed me with being able to speak with Regina. She was knowledgeable kind and had an amazing willingness to assist. She took the time out to educate me on how FIT MasterCard could certainly be a great asset in rebuilding my credit. I appreciate the superb level of service I received today from Regina. She definitely turned my frown upside down. I explore you not to let her fantastic efforts go unnoticed.

The customer service with this company…was TERRIBLE The customer service with this company was ABSOLUTELY HORRIBLE! They could care less about the customer. Each of my experiences (several times I contacted them) calling customer service was met with rudeness and total disrespect. “I” paid off my balance, “I” had my account closed and then cut up the card! Terrible experience. And yes, I paid my account on time every time. Bye the way, that same guy… just hung up the phone one me…again! Just terrible! One star is too much! I scratch my head at the other reviews. Not my experiences.