dpavey3

 Only had a secured cc to build my credit.  Applied for this one because first one that I have seen since the economic downturn that didn't have annual fee. Was approved for $4100 with a rate at 14.99% after intro.  Credit rating of 681 with cc utilization of 18%.  Probably should have tried for the cash back card.  Oh well

I have had this card for a few months. I tried the credit simulator and it showed a credit score increase of 36 points. That is very close to the amount it did go up just the first month after using it. It has been going up ever since, granted just a couple of points but every little bit helps. It didn't count as a hard inquiry and they report every month which helps if you had slow payments before. Staff was very helpful haven't seen any hidden fees. Would recommend it if you are in the market for secure card.

Don't bother, if you want some rental videos go with the other credit karma entertainment offer Netflix

I love netflix. I have had it for about 3 months now do not have any complaints. They are actually with the times. The movies come in little sleeves that are really easy to misplace, but all you have to do is put that movie with anonther that you are sending back and they take care of it without extra charge. That's not just coming from me that is what netflix instruction say, try getting that from your local video store.