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I answered a pre-approved offer and was rewarded with a shiny new credit card. I answered it because I am trying to build up my credit to buy a house.When I received my card, I read the paperwork that came with it. THIS is how I learned that I was being charged $75 for the first year and $99 for every year after that. They never mentioned the fee in the early paperwork.READ your paperwork! They are charging the highest annual fee I have ever heard of, and there is NO REASON for this! They do not give you any special prizes for paying this fee. This card is not any better than any other card. You can find cards that do not charge any fees at all.If you activate your card and make a single purchase with it, you will be liable for that $75 "introductory" annual fee. Do not take their card. If you have already taken their card, do not activate it or use it unless you are willing to give them $75 for no reason.