I have had this card since April 2015. My credit was very poor and I started with the $300 deposit. My deposit/ limit is now close to $1000 and they are faithful reporters of the increases.
Pay with their "fast pay" website (I made that name up) and payments are posted within 1 buisness day and there is no fee.
Use this card faithfully and then pay it off monthly, completely and early or on time!
They have recently chagned the name to Berkshire Bank but other than that I have not seen any changes.
Yes- the interest can be high and you have an annual fee.
That's because this is for people that have made credit mistakes.
Pay for the mistakes and re-build with this card- you will not regret it.