<prompt> Human: I typically get credit card offers in the mail that are alright or whatever but dont provide any additional benefit over my current cards. I just received a true gem though that I feel the need to share with you guys because none of my friends would appreciate the ridiculousness.Credit Limit: 400APR: 36One time processing fee: 95Annual fee: 99, 45 after first yearMonthly Maintenance fee: 8.25 99 annuallyActually got a laugh out of me until I realized how many people are probably falling for this and getting screwed.  <response>: So 100 to open 100yr to keep it open, plus another 100yr to keep it open. so 300 for the 1st year to have a 400 limit. I cant even fill up my gas tank twice after all those fees. and that isnt even counting the 36 rate.I almost want to see if a payday loan would be better than this, because it looks to be getting close to that level.Amazing find. 