You're better off getting a secure credit card from Bank of America some other place like that Do not trust them They do not care about your credit they're only care about getting your money Their credit card service is a scam customer service is very rude and aggressive And when a company does not have a complaint line there something wrong .I haven't even use this card for 2 years and I've been charged every month for it annually for it .Just don't apply for them it's a bad decision Everyone needs to write to the Better Business Bureau to get them cancel get them off get something happened
Horrible credit card to rebuild credit. I lost my husband to a motorcycle accident in 2012 and I was trying to rebuild my credit - at first this was not a bad credit card but now my minimum due is more than my credit limit. Think twice before applying and using this credit card. They will constantly call and harrass you even after you explain that you are having financial difficulties.
I got this card while trying to rebuild credit. While it did somewhat service that prurpose, I got a better card two years later. I moved to a new address, completely different state. I called them to change my address and also pay my balance on the card. The card had expired in the meantime, which was fine, I paid it off and kept a $0 balance. Fast forward and I still haven't received new card or statements. Couldn't log in online because at the time, you had to have active card information. No new card or statements. I called several times about this issue. Nothing. Fast forward a bit and I got a 30day late hit on my credit report from them. Check into it and it's my annual fee. I called and asked how I was supposed to know if I wasn't getting statements and couldn't log in any more to see it. They acknowledged it, but refused to change the hit because I was late, event though I had no way of knowing. I canceled the card and said good riddance. Luckily my credit union understood and didn't hold that against me in consideration of new lines of credit with them.
Never , ever I repeat ever apply for this card . They're theives. I had two accounts with them starting in 2007 . I had some financial problems in 2010 where I ruined all my credit . Well , I check ck every week as my score has been going up . I believe it would be higher if not for 3 new negative marks . One is paid , one isn't and then premier says I owe them 486.00 . No , I don't I paid them off in 2011 , and all the sudden it appears on my credit report that I owe them from 2012 ........ WHAT ? Avoid this company no matter how desperate one is for new credit .,