The application process was quick and easy. Boosted my credit INSTANTLY by 30+ points within a week of approval. They do however take their annual fee upfront from your balance BUT that kick-starts the credit boost.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR Not Applicable
- Balance Transfer Regular APR Not Applicable
- Annual Fee $39
- Purchase Intro APR Not Applicable
- Purchase Regular APR 14.74%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
This card only helped my credit after the initial opening of the account. First thing you can only pay by mail or have your bank do bill pay. So you can’t use our debit card or by cash for faster processing. My bill is due in the 12th I submitted my payment on the 5th took 5 days to show as a ending payment on the website but still no available balance update for another 3-5 days. So it ties up your money and eventually you have a late payment. I closed the card after 2 months. They told me it takes 14 days to get my money back and if I want it expedited I needed to fax in my request and it would come in 10 days vs 14. WAY TOO MUCH OF A HEADACHE FIND ANOTHER CARD.
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Sample Size: 1,844
Data Created: February 02, 2015
Note: Sample data consists of Credit Karma members who hold this card.
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The ratings and reviews are brought to you by our users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.