I've had this card for around 5 months now. It's very good for beginners. My sister with no credit history got approved for $2k. I was shocked when I got approved for $10k, I thought they made a mistake. My other cards have a $2k and $750 limit with interest, so I have stopped using those completely in favor of this one. I make payments on time and try to pay it off completely each month and my limit has just been upped to $15k. Love this card. I'll keep using it until the 0% interest deal wears off. I did not have any issues with the welcome bonus like some other reviewers did. I believe it goes towards your statement balance at the time.
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They want your federal tax returns. They did not require them before issuing the card and then after a month told me they needed them. I of course said no to that. Had I have known that they would have asked me for federal tax returns I would not have applied. Putting 4 years of federal tax returns out on the internet or even stored on their systems so they can be hacked later is just not a good idea. The value of the card is not worth the risk. No other card company has asked for my federal returns. 752 Fico score and don't need the hassle or risk. When I talked to them they said they had to have them or they might cancel me. I said to cancel my card I was not longer interested in it. Even though the card was paid in full they canceled the card and put it on my credit report that they had cancelled it when I had cancelled it.
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Sample Size: 5,500
Data Created: February 02, 2015
Note: Sample data consists of Credit Karma members who hold this card.
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