they are great
I have had this card almost ten years and they gave me a initial credit limit of $250. Over the last almost ten years I have asked several times for a credit increase and they have refused it, even with a credit score of well over 700.
I've had this card over 2 years. You must pay a $89 processing and activation fee to begin using the card. I was given a $300 limit when I initially applied and opened account. After over 12 months of timely payments, sometimes multiple payments per month, I received no offers of a credit limit increase. Trust me, this credit card company has no incentives for being a responsible accountholder. I finally received a $50 credit limit increase after logging into my account and requesting an increase. What a waste! They report monthly to the credit agencies but with a credit limit so low and no incentive to increase your limit, your credit score will not benefit from having this card. My advice is to look for other card options. This one is a waste of time. I recently closed my account because of the issues outlined here.
No credit limit increases ever, never roll my balance over, never late. Then boom $99 annual fee. So I call and because i, like everyone else is such a great customer qualify for a $25 decrease in the fee. I told the lady she better wine me and dine me and bring a bottle of lube bc I that's what it takes to let you **** me. I closed my account and my credit score......went up