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The Tribute Gold MasterCard Credit Card is issued by First Bank of Delaware. This card is suitable for those who are having problems getting a credit card due to their past credit history.There are two accounts available for this card, one with $300 credit line and an alternative account with $70 credit line. You application will be considered for the higher $300 credit line first. If you do not qualify for the $300 card, you'll then be considered for the $70 card. Please note that it is possible that you may not qualify for either offer. It is common for this type of card to charge various fees such as an annual fee, an account set-up fee, a program fee, and a monthly maintenance fee. For Tribute Gold MasterCard Credit Card, the fees involved are based on the account you're approved for. For the $300 card, your credit line will be $300 and your Annual Fee of $150 will appear on your first statement. Once your initial minimum payment of $30 has been received, cleared and posted on your credit card account, your initial available credit will be $180. You will be billed an Account Maintenance Fee of $6.50 per month (total of $78 per year), beginning after you make your first purchase or cash advance. You will receive a credit line increase after your credit card account has been open for six months and if you make your first four minimum monthly payments on time, make a purchase or cash advance, keep your account open and current and do not go overlimit. Additional credit line increases are subject to credit approval. For the $70 card, your credit line will be $70 and an Account Opening Fee of $20 will appear on your first statement. Your initial minimum payment of $20 must be received, cleared and posted on your credit card account before you can activate your card and use your credit card account. You will be billed an Account Maintenance Fee of $19 per month (total of $228 per year), beginning after you make your first purchase or cash advance. During the first year, for every month that your account remains open, you use your card and make your minimum monthly payments on time, you will receive an increase in your credit line. After the first 12 months, your account may be reviewed periodically for credit line increase eligibility subject to credit approval. Your account performance will be reported to the major credit bureaus after your first purchase or after two consecutive payments. Take note that your credit rating at each bureau will be based on your performance with ALL of your reported credit accounts, not just your TributeŽ Gold MasterCardŽ Credit Card account. Since the subprime crisis hitting hard on the financial market, it has been been tough for people with bad credit to get an unsecured credit card. Overall, if you've a bad credit credit rating and looking for an unsecured credit card, this card may be a reasonable option. However, the interest rate for purchases is above average(which is common for this type of card) and not ideal if you plan to carry a balance. 
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