Not a very good credit card!!!! I think it is charging unnessary fees... I wouldn't recommend it for anyone to get.
The Applied Bank business is the worst company that I have ever came across. They will not help you grow and develop as an individual. Please do your research so that you can see for yourself. Go to capital one if your looking to build and would love great customer service assistance.
Fees, fees, fees,fees
Did I say fees?
Had this card for almost 4 years and finally cancelled it after improving my credit from a Ch 13 BK. Granted it was the only card other than a Credit One card it was the worst by far! They charge $10 a month plus even if you pay your card in full (which I did) there is a .50 minimum interest charge! Oh yeah if you want to pay your bill online, like most people do there is a MINIMUM fee of $8 from a checking account and $12 charge for a CC!
Horrible card, glad to finally cancel them.