7/1/17 I went with this card because the capital one card wouldn't approve me (collections from capital one 4 years ago) and the beginning was rough. They said my application will take further review and they will have an answer for me in 1 week. By day 4 the 200$ was taken out of my account. Still no word on if I was approved or not. 2 weeks went by, still no update. I called at 2 1/2 weeks and they said my application is still pending. I stated the deposit has already been pulled and I don't understand why they would pull and not approve the application. The customer service was very friendly. Few days later I was approved. Took just over a week after that to receive the card. Two weeks after that I get an email from Credit Karma saying my score changed. I looked and this card jumped me up 35 points. I have 2 things in collections and a judgement of 3,000. My score started at 451. I have not paid anything (yet) and my score after one month of opening the card is 532. This card has jumped me over 80 points in a month. Pretty happy. *Update* 11/2/17 Okay! It's been 5 months since I've had this card, I have not paid any of my collections. One medical and one from capital one for almost $500. My score is now 600. This card has not only raised my credit score 150 points, but I am also now approved with Capital One secured card! I only needed to give them $49 for a deposit and have a $200 limit. I originally wanted the capital one card but was denied but approved for this one. I cannot express how happy I am to be on the road to recovery on my credit! All payments made on time, never any issues, and my new card will be here in a few weeks! Let's see how fast my score raises now! ????????????
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