I applied for this card. At first it did take about 3 weeks to process even though i paid the $200 the day i applied for the CC. I was starting to get worried but then i got emails i was approved my card was on its way and i was happy. Of course the annual fee $29 was immediately applied so i choose not to spend anymore for my first month since im sticking to only 10% use to gain credit points to buy a house. Im going on my 2nd month and i will know by sept 13th how this gets reported to all my credit bureaus and ill update again with a new review after that. So far im happy with it. I will use my 1st purchase of $20 bucks after the 13th towards gas for my vehicle and keep it at that then pay the 20 in full by the first week of month since my bill is due every 9th of month. its important to pay it atleast 5-6 days before the due date due to online banking payment takes a few days to process the payment. Thats the only thing do not wait till the last day to pay bill because then you can be officially late on payment posting with them. I dont care for interest rates right now since i have only 1 reason for using this credit card and its for my gain and credit scores to rise. i hope this helps for anyone in my situation. My scores have gone up from 560 to 590-600 within 6-8 weeks.
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