gistfile1.txt

diff --git a/lib/call_handler_v1.rb b/lib/call_handler_v1.rb
index d3022c2..cfcb271 100644
--- a/lib/call_handler_v1.rb
+++ b/lib/call_handler_v1.rb
@@ -541,7 +541,7 @@ class CallHandlerV1
                                           :funding_account => @card.sponsoring_bank.cardholder_funds_account, :card_id => @card.id,
                                           :amount => -1 * (@card.creation_fee_amount.abs), :store_id => @card.store.id,
                                           :fee_date => Time.zone.now,
-                                          :user_id => options[:user].id, :memo => "Card Origination Fee", :fee_type => :misc_fee)
+                                          :user_id => options[:user].id, :memo => "First Monthly Fee", :fee_type => :misc_fee)
       if fee_result && fee_result.success?
         result.success!
         return @card