Got this card when I first started to use CK. I think I had a score in the low 600's at the time and was approved for $600. After 6months of ontime payments it jumped to $1200. I have had this card for a full year as of last month but I havent gotten a second increase yet so im just waiting. The APR is high so NEVER let your balance transfer into the next month unless its an emergency. Overall I would highly recomend this card to anyone who is trying to rebuild their credit. Since opening CK I have a score above 700 and started with one below 600. So it CAN BE DONE, dont give up. Also CK might say your chances are good but just remember thats an ESTIMATE based on other people. You always want to go to the cards website directly in order to see if they have a pre qualification process so it does not hurt your credit score.