If you've ever wondered what life on the bottom looks like, mail to my address was receeived in another person's name:
$400 limit mastercard
$95 to apply
$99 annual fee first year, $125 every year thereafter
35.90% APR
25 day grace period
and one I had never heard of before:
monthly maintenance fee:
$0 first year, $150 thereafter, billed as $12.50/month
Usury