I applied for Discover Secured card and was approved one month prior to chapter 7 bankruptcy discharge.
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In my opinion, best loan for people with less than avergae credit. Precomputed loan. Good service at the local branch. Highly recommneded .
high interest rate but very quick process makes it convenient in case of an emergency
Do not like fact that if you don't use their auto pay or payment method through their onlline site, it would cost you $5 for each payment made to loan. I always set up my payments on a recurring payment plan via my bank's online pay service, usually making a weekly payment. My bank would have to send them a check since they aren't able to send electronic payment, but with Prosper's policy, I'd have to pay an additional $5 with each payment. I like to have control of my money and how I make my payments.
This was my first card.... been nothing but good to me. My Credit Score went from Below Average to Good in a very short time. They did everything they promise including the increase within 5 months, I loved this card because now I own the QuickSilver Card! Yes! Thank you Capital One... I LOVE YOUR COMPANY AND AM SO THANKFUL YOU TOOK A CHANCE ME AND I NOW HAVE GOOD CREDIT!