I’ve had two cards with them for about 4 years. Started with a low credit limit but raises automatically a few times each year. Interest is high with processing and annual fees but Iknew that going in. Everything has been fine except that paying online is often difficult. The website is down about 1/3 the time! It also can take several days to post payments to your account. Pay at least a week early! When the website is down, call customer service and pay by telephone! Other than that, no complaints. It has been a tremendous help rebuilding my credit! So yes, it was worth the estra cost and effort.
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They will suspend your account without you knowing for stupid reasons like you are adding too much money. You will be at the register and cant make a purchase. Took them two weeks to resolve issue. I had to send verification three times so they could get it right.