let me tell you like it is... i have always struggled with credit scores and after alot of medical beill and a bankruptcy under my belt i thought i would nto get approvedd for any credt card. But you know what. I did. As a matter of fact I got approve for this one and it was easy. I reccemmond you apply for a big lots card or any card issues through commenity bank. They are good for people who have little to no credit and for you to help build your credti.. I got a good credit limit with this card but i am not going to use it only for paper towels and things like that. there online store will not allow you to use your card but that is ok i have a big lots close to me so i can just stop in and use it..
I had this card for about three years and it was great. i used it to buy a few bikes and I always paid them off within a few months so I paid very little interest. Whenever I had a question I could call up and they were always happy to help. If you plan on paying it off over a longer period of time over two years I would suggest another form of financing.
I went into the bridal shop asking about exchanging my dress as I was very unhappy with the dress I had bought they said they were not able to put an exchange dress on layaway and then I would have to apply for the credit card. But not to worry that it was a soft inquiry. I was very clear that if it was a hard inquiry I did not want to do it that I was in the process of financing for a home. They handed me the iPad and had me apply due to the fact that I was in the process of moving it had to go to a review process. Woke up the next morning and checked my credit score and found out that I had been hit for several points for applying for the card. Now I have a dress on layaway no credit card and a damaged credit score don't apply for this card ever. Now waiting to hear back from a district manager on how to fix this problem.