This company is a scam has held my money for over a week won't let me reload my card and keeps coming up with more excuses and lying about the card They sent me I requested 3 cards and they said I've only requested one they are full of s*** beware of these people and the customer service is garbage don't expect to get any help from these people if that's what you want to call them be very afraid of these people and your money I swear that on everything I love
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After reading the reviews and seeing that some people had success I tried to apply but they apparently have a hard approval process. I just wanted to pay off two cards and close them all at once and they wouldnt approve me. What a waste of a lost credit score point.
Their process was fast and painless. I got a decision right away and received the money within a week of approval. The rates were great and I now have lower monthly payment.
I had this card for about six months and thought the reward program seemed good. Then I missed a $50 payment by a few days and got charged a $25 late fee! Obviously that cancels out any benefit to having the card. You are much better off finding coupons online then using this card for the discounts. That late fee is crazy high.
I have had this card for over 8 months now and it is Not great for rebuilding credit they take forever to post payments, make you out to be a leach on society. They report to the credit agency at least ten days after you have paid your bill. It's the opposite of help for rebuilding credit. Their customer service is dismal.