I started the card with $500 and exactly one year later the card graduated to the platinum unsecure credit card. They reported religiously to the credit bureaus and that helped my credit very much. Of course I always paid on time and as a result my relationship with the bank itself is great, I have called to raise my credit limit twice which is now 900 dollars now, and they have never denied an increase, the first time I called for an increase was just after graduation. It is a great card to have and I am very happy with the service. Now I already have a Discover card with a $7500 limit.
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I have had this card with a $500 limit for over a year and a half. Upon applying for this card in December 2012, they told me that if I pay on time every month, and have a low credit utilization, they will graduate me in a year. I make multiple payments a month, and keep my credit utilization between 10-30%, and have not been graduated yet. At the one year mark, I called to see why I havent been graduated, and the lady told me "we check in the spring, so expect something around April." Frustated, I patiently waited, and heard nothing. It is now June, and I have yet to recieve any answers, I just get ridiculous responses.
The card itself isnt that great either. It takes a very long time for the payments to post, sometimes even a whole week.
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