I've had this First Savings credit card for a year or so and have had no problems at all. Paid my bill on time in excess of the minimum payment, they raised my credit limit and I guess my key to no problems are I pay my bill at least a week in advance.
Maybe not AMEX but it has been good to me. My wallet was stolen, they immediately cancelled my card, and have issued me another without any issues.
Customer services was very helpful. Do have the fee and will probably close as my credit has greatly improved and have gotten some decent interest rates cards.
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