Not the best credit card. I only applied for it because I purchased a BMW a the dealership. They never increased my credit card in the 8 years I have had it so that's a negative. They reported me late and I have NEVER been late they are horrible to deal with. He only reason I won't close it is I don't want a negative hit for a closed account with 8 years of activity. Many other cards offer better features and rewards I would look elsewhere.
If you defer a payment, or payments during the loan, they tell you the payments will be moved to the back of the loan, just extending payments. Not so! They will stick you with a huge lump sum payment at the end of the loan(interest), even after they required you to make an interest payment at the time of the deferment. Stay away from this subprime lender.