Complaint Review: Peoples Credit First

Today I recieved 2 things in the mail. One being the letter saying my bankruptsy had been discharged, the second an offer from Credit Provider aka Peoples Credit First.

PCF guaranteed me a $5000.00 platinum card for a one time only $45.00 membership fee, $49.00 for rush delivery. I was estatic! I signed the certificate then thought "gee this is too good to be true" So I read the letter several times and finally caught the part where it said "you may use your card immediately upon receipt for all purchases from credit provider".

I had absolutely perfect credit, which I had worked very hard to get, this time last year. I went through 4 months of pure hell, got a divorce, was forced out of my home (by my ex) I had a job but no where to live. My parents are both deceased so I had no where to turn. I had no car to get to work so I got a cash advance to put a down payment on a car. My teenage children and I lived in a hotel until we found a home. Now I had to get more cash advances to pay first and last month rent plus deposit.

When we got into our home we had no furniture...more credit card usage. After a year I was so far in debt there was no other way out but to file bankrupt. This was NOT something I wanted to do however, I had no choice. I decided to look pcf up on line and see what they were all about. Their web site offered no information. I had already decided not to send it in to them but I am so thankful for this site because if nothing else it has shown me to be more carefull before I sign my name to anything.

I want so badly to re establish my credit that I almost made a horrible mistake and sent this in. Thank you so much for this site. I am sure it has helped many people such as myself who are willing to do whatever they have to do to get thier credit back on track.

Dana
Dalton, Georgia