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!!
Very high fee and low credit limit. If you want to pay $75 for a $300 credit line and then $99 every year thereafter, this is for you. There are much better catds out there. If you're going to pay the high fees just get a secured card. This is junk.
Me: 600s credit score with $80k income and no debt.