I don't understand all the negative reviews. I have had this card since Nov 2014. The application process was extremely simple and fast. I was approved, deposited the funds and had my card within 7 days. I have never had to wait 14 days for payments to process, maybe 7 days but as of late, my payments are available within a few days. Listen folks, they have to make sure the money you are paying actually clears your bank. Remember, if we weren't sub prime account holders then maybe it would post same day. It doesn't matter that they have a secutiry deposit. Just like a landlord, who also has a security depost, won't allow you to be late with your rent. I have NEVER had a problem with this bank. You can even add funds to your account to increase your line of credit which I also have done with no problems. I haven't had to speak with any customer service reps so I can't comment on that aspect. Sure, you can't convert to a secured card with this bank but that is stated up front. I look at it as if I have another savings account somewhere that I can't touch. People need to read the terms and conditions of any card - read all the fine print before applying and you won't have any surprises. Do not use more than 30% utilization! Of course if there is an emergency you may have no choice but pay it down as fast as you can. Your credit score will drop if your utilization is high. If your a member of Credit Karma you should have learned that in the first few weeks of reading. My credit score rose 60 points within the first few months of having this card and 100 points within a year. It continues to rise as I take good care of my credit and spending habits, somthing I didn't do when I was younger. Another thing, before applying with a company read reviews as much as you can and not just this website, all over there are reviews on every credit card company. As I stated above it is very important to take the time to read the terms and conditions. I hear too often people claiming they were never told something, meanwhile they check the box stating they read the terms and conditions where that certain "something" was stated. That section contains all the information you need to know about the rules of their game. I wish everyone the best on rebuilding or establishing credit.