I opened a Tribute Mastercard account one year ago. I've paid all my payments on time, and above my minimum payment. I was given two credit line increases for being a "good customer". Last week my online pharmacy charged something to my card that I had not ordered, and which put me $20 over my credit limit. I immediately sent in a payment to bring my balance down. Two days later Tribute cancelled and closed my account and upped my interest rate to 35%!

Basically this whole thing was a scam. The company waits for a customer to make the most minor infraction, knowing that almost everyone will either be a day late or go over their limit at some point, then they close the account and rob you blind with a bogus APR increase. I've filed a complaint with the FTC and advise nobody to do business with them

They are owned by First Bank of Delaware so beware of them as well.

I got 2 offers from Tribute mastercard and Salute back in June. I never activated the cards/accounts and now it is November and i am getting bills from them saying i owe X amount of dollars at the end of november. RIP OFF! If this was serious i would have received statements on a monthly basis not every 4 months. I wonder how many people have fallen for this! Its infuriating!