Fine For Me
I could not get approved for a few other cards when I came across this one. Compared to other secured cards the annual fee wasn't bad. I put $300 down and have had it over a year. I'm sorry, I don't really remember how long it took to be accepted, money taken out of account or to receive the card since it was awhile ago.
I only use the card to pay my car insurance on auto pay. So instead of paying my car insurance bill every month, I pay the credit card bill. I don't use it for any other charges so technically I'm not out any extra money each month, except the once a year annual fee.
This is the key to rebuilding your credit. Don't use it! Just put a low bill on auto pay with it and forget about it. Otherwise you will be spending money you don't currently have the cash for. Pay it off each month and don't pay any interest. You should only use 30% or less of your credit limit each month anyways to keep your debt to credit ratio low, which also helps improve your credit score. My car insurance is only $90 a month, which is 30% of $300.
In the last 14 months or so that I have had it, I have been offered and approved for 3 non-secured cards. Once again, I put a different bill on auto pay and don't use it for anything else. Keep it simple and you won't get yourself in trouble. I have improved my credit from low to mid 500's to about 690 in 14 months. Not bad if you ask me.
I do not work for this company by the way. I'm just a hard working 30 something year old girl trying to earn good credit by being as responsible as I can. I will not make the same credit mistakes I made when I was in my twenties.
Good luck! If used responsibly this could be a good card for you! :)
HORRIBIE CUSTOMER SERVICE /they lie
THEY FALSE ADVERTISE. EVERY CUSTOMER GETS THE SAME UGLY GREEN CARD. THERE ARE NO CHIPPED CARDS. You will get a hard inquiry with this, there are only 2 ways to pay and one way is Moneygram at Walmart/Cvs and will cost you $72 a year. High annual fee, sucky website and is outdated. Terrible. when you pay by check it takes two weeks for check to clear ! I have heard it takes almost 2 months to get the deposit back. So disappointed.
HORRIBIE CUSTOMER SERVICE /they lie
THEY FALSE ADVERTISE. EVERY CUSTOMER GETS THE SAME UGLY GREEN CARD. THERE ARE NO CHIPPED CARDS. You will get a hard inquiry with this, there are only 2 ways to pay and one way is Moneygram at Walmart/Cvs and will cost you $72 a year. High annual fee, sucky website and is outdated. Terrible. when you pay by check it takes two weeks for check to clear ! I have heard it takes almost 2 months to get the deposit back. So disappointed.
Don't get this card
Instead o helping you rebuild your credit this stupid card helps you go backwards . I always pay on time through my banks bill pay , the problem is first progress reports every other month to credit bureaus, so sometimes you make gain 34 points other months you may lose 30 something points , never stable , I went and got approved for discover it card so far no problems and that's the card to go with ..
Pretty good starter card
I applied with a 525 beacon and after making a few payments, my score went up enough to get another card through a different company with lower fees and rewards. Now my credit is a 606 beacon and growing every month. Annual fees are kind of high, but that's the cost you pay for having bad credit. Lol
Helps Credit
COULDNT GET A CAR ANYWHERE. THEN APPLIED FOR THIS ONE GOT APPROVED. MY SCORE WENT FROM LOW 500 TO 604 IN 18 MONTHS. THEN GOT APPROVE FOR 2 UNSECURED CARDS.
DO NOT GET!! You will regret!
THEY FALSE ADVERTISE. EVERY CUSTOMER GETS THE SAME UGLY GREEN CARD. THERE ARE NO CHIPPED CARDS. You will get a hard inquiry with this, there are only 2 ways to pay and one way is Moneygram at Walmart/Cvs and will cost you $72 a year. High annual fee, sucky website and is outdated. Terrible. I' m paying in full and closing because I have Fingerhut and a Discover Secured. I have heard it takes almost 2 months to get the deposit back. So disappointed.
It serves the purpose it's supposed to.
Make your payments on time & keep your balance under 30%.
Great for building and improving credit!
Buy some inexpensive things with the card, keep your balance low, and pay the bill on time every month. This will really help you improve your credit score quickly! It helped me get from the low 500s to 641 in just a few months. My score is still climbing higher! :-)
Horrribly card Services!!!
Called and paid my balance on the 14th and was given a confirmation number. Turns out THE GUY I TALKED TO NEVER RAN MY PAYMENT. GAVE ME A FAKE CONFIRMATION #.. AND NOW MY CREDIT BILL LOOKS UNPAID FOR THIS MONTH!!!!! UNBELIEVABLY TERRIBLY CUSTOMER SERVICE.
The worst customet service criminals
BEWARE,They are horrible I had this card gor a year paying the outrageous fees when I called to cancel the customer service actually threatened to hurt my credit unless I retained the card I laughed it off BUT GET THIS I CHECKED MY CREDIT TODAY AND THEY ADDED 2 LATE PAYMENTS no late payments until I closed the card Criminals liars Report to state banking commission and BBB SO BEWARE