Credit establishing opportunity , if you think this is a Visa or MasterCard you obviously didn't read the terms and conditions. Also the application site looks NOTHING like a major credit card. Even if you do not use the card this card will report on your behalf that your account is open, active, and in good standings. This looks great on your report if you are looking to apply for a major credit card in the future.
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Read the Oct 2012 review carefully and decided to go for it. strictly adhering to the "Get But Do Not Use!!" Warning. The Card appeared on my EXP report after 3 weeks. Five months later (today), I called and requested to cancel, at which point they dropped the monthly fee to $8 and raised my LOC from $500 to $1000. It does look good on my report, and I've never bought a thing from them. So as a strategy to build credit, it is working out great.
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