Tribute is a big fraud...I signed up for a card with this joke of a company and thing went very well for the first 6-8 months, I actually thought that this was going to help my credit. I couldn't have been more wrong!! Less than a year they charged me an annual fee (which of course put me over my credit limit) and since I was over limit, they charged me the $39 "over limit" fee which made my monthly payment jump from around $30 to almost $150 I then found also a "late fee" and that was addede to the already rediculously... read full review »