Way back in the day, the day I turned 18, I got this card. Got approved for $400 becuase I had no credit whatsoever. Got a watch, and have been just doing it NO INTEREST FOR 12 MONTHS for the past year and a half. I now have 4 really nice Movados and the raised my limit to $1,100. Customer service is bad, payments on the app are a nightmare. Just call in, although it's a time-consuming waste.