I opened a secured credit card through Open Sky and then a month later was approved for this unsecured card. It gave me a $50 increase after 6 months on on-time payments. The only downfall is that I do not know when they report the balance to the credit bureaus and even though I pay it every month, it sometimes shows my highest balance for the month. Easy to make payments online and they are applied the next day.
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Most Helpful Negative Review
I've had this card over 2 years. You must pay a $89 processing and activation fee to begin using the card. I was given a $300 limit when I initially applied and opened account. After over 12 months of timely payments, sometimes multiple payments per month, I received no offers of a credit limit increase. Trust me, this credit card company has no incentives for being a responsible accountholder. I finally received a $50 credit limit increase after logging into my account and requesting an increase. What a waste! They report monthly to the credit agencies but with a credit limit so low and no incentive to increase your limit, your credit score will not benefit from having this card. My advice is to look for other card options. This one is a waste of time. I recently closed my account because of the issues outlined here.
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Data Created: February 02, 2015
Note: Sample data consists of Credit Karma members who hold this card.
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