I HAD THIS CARD FOR 4 YEARS AND I WAS 2 DAY LATE THEY CHARGED ME $100 LATE FEE. IT WAS A SECURED CARD WITH THE LIMIT OF $200 MY OWN MONEY I PAID TO SET THE LIMIT. THEY THEN CHARGED ME LATE FOR THE FOLLOWING MONTH SO 2 LATE PAYMENTS FOR MONTHS THAT HAVE NOT EVEN CAME YET. THIS BANK SEEMS DESPERATE FOR MONEY AND I WOULD NOT RECOMMENDED GETTING SCREWED. DONT DO IT THEN THEY REPORTED ME LATE TO THE CREDIT BUREAUS BECAUSE I COMPLAINED TO THE BBB.
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.