Never been late used it once now its closed!
Prepare to pay monthly fees, high interest rates and to be ignored if you try to contact them any way *other* than directly by phone (which is difficult at times). What you DO get though is a very low limit credit card that works in some places but not others (you can't use it at a gas pump, but you can use it inside to pay for gas .. WTF?) and it does report to all of the major credit bureaus. OH! Good luck trying to get a credit limit increase too. My best recommendation is to get this, keep it for a year and then get rid of it!!
When i applied i was approved and then customer service told me the card was sent, beware they will lie to yoiu, I applied in mid June 2016 and i didnt get the card til MID AUGUST, when i called they kept saying it was already sent, and it wasnt. Also i checked my credit report and they are 6 months behind in reporting my payments and why i dont know, all my payments have been made on time, amazing how they how to charge the annual fee and monthly fee but they cant report accuracy of my credit report for my ontime payments.