I have mulitple credit cards and I got a pre approval for this one. They gave me a $300 limit and $75 annual fee, which I don't mind but here'e the killer......you make a payment and the credit is not available for 14 days....what? I am taking this card to a $0 balance and keeping it that way and canceling at 1 year so I will not be paying another fee. A $300 credit card that shows up at your door with a $75 balance you make a payment and credit is not available, I have had this card 3 months and I have made 2 payments....Insane...don't take this card unless you are truly desperate to have another line of credit on your credit report....you won't be able to use the credit you are given!!!