This is a great card for repairing bad credit. They don't do a credit check or a hard pull. I've had the card almost six months now and my credit shot up 130 points. Just opening the card gives a significant boost, which will gradually climb if you keep utilization low around 10-20 % and make on time payments. My previous credit card had been closed and charged off, then finally dropped off of my report but left my score low nonetheless. I needed a new card to start over but didn't qualify for an unsecured card. You have to make a deposit for your credit limit and pay a fee. Customer service is good, they answer questions thoroughly and I always understand them. Paying bills is easy to do online and you can check what you owe and the due date online.
As this is my first credit card, I keep a very close eye on all my transactions. When I did not recognize a couple transactions, I called to explain my fear that my card had been compromised. Instead of the woman easing my fear, or even understanding where I was coming from, she shoved my concerns away. She responded to my concerns with patronizing remarks and treated me as though I was an ignorant five year old. I am not happy.