I applied and was approved for this card as soon as I started my first job. It's not a huge credit limit, but it's helped build my credit and there is no hard inquiry. It does seem that the company only reports to TransUnion since my Equifax score does not have the card listed. Nevertheless, I am happy with it.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR Not Applicable
- Balance Transfer Regular APR Not Applicable
- Annual Fee $0
- Purchase Intro APR Not Applicable
- Purchase Regular APR 20.99%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
Alright, so this card is great if you have no credit history. I applied with $39k reported income, and a Discover It Student (2 months old) card and Amazon Store (1 month old) card. They gave me a $500 limit, and it has now been 9 months and I still haven't seen a credit limit increase.
Connecting my bank was an incredibly difficult process. The first time I tried, they didn't even have it listed as an option in search. I tried again later, and they had the bank. I tried connecting my account and they kept encountering difficulties. Took a month to connect my bank account, which is just insane when you have to have it connected for credit limit increases.
They sent me a chip card last month. After I activated it, they needed a password reset. Here goes another hassle. Kept trying and trying, but they never sent an email link to password reset. Had to email customer service, told I would likely get a response within 24 hours. 1 week later I got a response saying it is my email that is the problem, so I change emails. Finally got it fixed. But a new problem: THEY LOST MY REWARDS POINTS. Hundreds in purchases over 9 months and they just deleted all of the rewards.
If you have no other choice, this can get your credit started. They only report to Experian and TransUnion, not Equifax.
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† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.
‡ Average score refers to the arithmetic mean and typical low score to the 5th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2014 through November 2014. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.
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