I've had this card for nearly 9 months now, and it's a good card for rebuilding credit. I got this card by applying for their unsecured version, but being accepted for the secured version.
Everything you hear about the delay in payments posting and not being able to use this to pay at the pump are true for me. I can post a payment on the 1st, and the credit won't be available until nearly the 10th or 14th. So you'll want to make sure that you never pay money on the card that you're going to immediatly need to have access to.
I've heard mixed stories of others not being able to pay at the pump. I've never gotten it to work. Everytime I have to "see cashier", but they are able to ring me up inside. I figured this is due to the low ($300) card limit, but I've recently aquired a different card with the same limit, and I don't have the pay-at-the-pump issue with my other card.
There were also a few months where I got within 7 days of the payment being due before I made my payment. Like clockwork, customer service proactively called my cell phone and asked for a payment. You can take that as a positive or a negative feature of the card. I've never been late with a payment, and I've never paid interest on the card, as I always pay in full. I think I was annoyed at the time that they called me, but if I would have actually forgotten about the card, the reminder would have been nice to have.
The card's website is troublesome, when I first got my card it took me over a week to get successfully logged in. There were glitches in the code, where logging in would revert me back to the login page. I tried using multiple browers and multiple computers, as well as multiple connection locations. I've had that problem at other times too, or sometimes I'll be logged in but the payment screen pushed me back to the main page instead of taking my payment. It never created an issue for me, but if you wait until the last day to make a payment, this issue could mess things up. The call center is on the West Coast, so at least you can get a human late into the night if you really need to.
I guess so far I'm making this card sound horrible, but it's easy to talk about the negatives. At the end of the day, this card is a tool to rebuild credit. You've got to treat it as such. I've had a solid 9 months of on-time payment history, which is good. A $300 limit can make credit utilization seem pretty out of whack, so don't charge too much on it if possible. Even paying off a large amount quickly may not circumvent the credit utliization report, because payments take a long time to post.
Finally, keep in mind that after a year, monthly charges and another annual fee kick in. These can really make it dificult to keep the card for rebuilding purposes, because it becomes an absolute sink-hole for your hard-earned money. I haven't decided myself if I'll keep the card around after the first year or not.