Fee Harvester... even those words make me cringe. The National Consumer Law Center recently wrote a report about fee harvesters. If you do a search, you are sure to find many articles about fee harvesters, and even the NCLC's report. It's mind boggling that people will fall for these offers, but these harvesters are in business to trap the desperate and those who simply don't know any better than to accept thier dreadful offers. Why does a person with bad credit "need" a credit card? To rebuild or establish credit? I suggest instead of getting involved with low life fee harvesters that those with no credit or bad credit consistantly pay thier essentials on time, and start a saving account. If you are fortunate enough to be able to bank with USAA or can join a credit union, then establih a stable relationship with them and given time, you may be able to get a credit card that is worthwhile, unlike the worthless plastic the fee harvestes offer.