There are a lot of credit cards out there and each them has their own limits, policies, rewards and offers. Some are better than others but have you ever encountered a credit card that totally stunk? I have. When I was new to credit and didn't know any better, I got a card from Credit One. Not Capital One, Credit One. They are a bank in Las Vegas that only deals with credit cards, no other banking services. The annual fee for this card is a whopping $75 and they take it right out the first week that you get the card, so you're actually starting out with $225 in credit, not $300. They charge a transaction fee just for paying your bill, which no other card does. They also take 10 days to post your payment so that you will certainly have a late fee. This card blows and doesn't have a rewards program. It is a total joke and I closed it without even waiting a year because I couldn't wait to wash my hands of that shady little company. Have you guys come across any crappy credit cards?