Retail credit card with annual fee to build credit is the concept of buying stuff at a retail location for inflated prices when you just want to build your credit.

Fingerhut perfected this scam in the 80s and now its back.

Optimum Gold Credit Card is neither optimum or gold. If this were Utopia, the card would be called Sub-Par gold-robbing credit program.

Pay the upfront fee of $100 and wallah! you can buy stuff every month from some catalog

Well, you dug yourself this hole and you're gonna have to dig out. Problem is that our opinion, this gets you deeper in the hole. Stay off the Sub-Par Gold reservation if cash is important to you.