Had this card for 3 years. I had really terrible credit from stupid choices when I was younger. Opened this card and made my payments on time every month. This, among other things, helped me build my credit enough to finally buy a house. I just closed it because they wouldn't waive the fee annual fee and I have better cards now. Customer service was really easy to deal with when I closed the card. No hassles at all. Would definitely recommend to someone with no credit. Would not recommend to people that have other choices.
hate this card don't apply for it
Make sure you call them and find out when payments are due and set up payment from your Bank in advance ,also pay payment at least 5 to 6 days in advance to make sure that it clears!!!Also don't spend more than 25 % of your limit even if you payoff every month this will help build your credit!!Good Luck!