Got a $200 credit line. The money was withdrawn immediately as I finished the application. Takes about 2-3 weeks to recieve your card.
The interest rate is high. Who cares? You keep your utilization low (15%-20%) and pay it off each month. This is a tool for rebuilding credit.
This did put an Inquiry on one of my three credit reports. But that's ok. It'll be another few years before I buy my house. Score was 550ish.
Customer Service? I have no reason to call them. I just use it as I would any other card.
You cannot pay through their website. It says "Here's your account number. Pay using your online banking." No big deal. That's easy.
The Yearly fee and initial fee are high. But they offer a few cards. The one with the high interest rate has the lowest yearly/initial fee. Get that one. Like I said, if you're using 15-20%, who gives a crap what the interest rate is? Let it cycle then pay it.
So far I have no complaints about this card. Don't expect anything other than a tool to rebuild credit. Opened up a $200 (Minimum deposit) because the FICO score is more concerned with credit utilization ratio/percentage. Bottom Line: Trying to rebuild your credit? Get this card. While I'm here, I will suggest Opensky which is very similar but does NOT do a credit check and thus will NOT leave an inquiry ding on your report/s.