Sadly most that post here not part of the norm at all. Yes we know the 75 buck fee. and after a year 12 a month. Who here can't get gas with this card? I sure can. And a car rental. Think about it. If the car place takes Discover, they have to take it. It is not a debit card. ( I am talking about the unsecured one)
Yes when it gets close to 1 year I wil most likely cancel. But if you look on a credit report, you need revolving credit to help your score. it is a percentage of 1/5 or more. So get this card. Pay the 75 fee.
Here is the trick to getting your score up!
Let them send you a paper bill for 4.95, and pay that each month. That is 5 bucks out of 300 used.
1st it shows a very low use to credit ratio. AND Shows monthly use to credit companys!