I've had this card for over a year. It was the first card I ordered when I was looking to rebuild my credit. While it did help me acomplish this goal (now a 668 score), working with these people with minor customer service requests is not easy. Talking with them you get the impression they just started using computers last month. The level of training they give their staff to accomodate their customers feels marginal at best. Whenever you ask a question usually they have to go ask someone else, or transfer you to someone else. They don't take payments via debit card either. And when you do make a payment, unless it's a direct bill pay from your bank, they take forever to post it to your account.
The final straw for me was when I inadvertantly overpaid my credit card bill. No worries, I wanted to just have them ad that to my credit line, increasing it from $644 to $1000. After all, they already have my money, how hard can this be? Well, the answer is "IMPOSSIBLE." They told me they would need to send me a check for the $356 I over paid them, and then I would need to send them back a check for $356, the amount of the credit line increase. What? You already have the money!!!! How much sense does that make? Someone can't just apply the credit I have with them to my credit line???? "I'm sorry sir, we can't do that."
Another issue is the whole credit line increase process itself. You have to be "Approved" to increase your credit line and it can take 30 days. Let me get this straight, I want to send you more of MY money to hold in deposit, you earn interest on that money AND charge me 18.99% to use MY money, and I have to be "approved" to do this and it's a somewhat arduous process? Who's running this place, the guy from Rain Man?
For those looking to rebuild their credit I recommend Barclaycard (no deposit required but they start you out with a low credit line & increse it over time). Capitol One is another good one, you can increase your credit line AT ANY TIME by simply sending them more money. You can also reach them nearly anytime, which is awesome, and their customer service reps are awesome as well. Another good card is First Premier Bank. This one does not require a deposit either, they just start you out small and work your way up. I believe I had a $350 credit limit for the first 6 months. Then it was increased to $700. 6 months later they sent me a new card for a 2nd account, with a credit limit of $1,500. Now that's how you rebuild credit.... use the cards, make the payments on-time, and they constantly increase your limit, showing other normal creditors that you're responsible with larger credit limits. As a result of all this I recently got a Discover card with a $1500 limit, a CitiBank credit card with a $2500 limit, and a chase card with a $2000 limit. All starting with a 522 credit score 15 months ago.