I applied for this card shortly after my BK discharge. I was given the usual $300 limit but the worsed annual fee of $75.00 the first year and $99.00 each year after. I do appreciate the fact they took a chance on me and the card has helped me to get better cards. I will be canceling before the annual fee hits as paying almost $100.00 for a $300 limit shouldnt even make sense to the company that issues it. I have had no problems with the card, I pay online and my available credit is posted the next day so no issues with that. It's the $300 limit and that you will NEVER get a credit line increase.