Ok here is the deal. I read a lot of bad reviews because it's hard to make a last minute payment. Fyi this is what got you into the situation your in to begin with.
I have had this card for over 3 years now, that said I have had no problems with the card, I used it to establish credit to get better cards. I would use about 30% of the card and make my payments by mail the day I got the bill in the mail. THE MINUTE I got the bill in the mail. As I said I was trying to fix my credit not wreck it again. After about 3 months my score went from 520 to about 580 landing me 6 more credit cards with no anual fees and no deposit.
I still keep this card active to ensure my age of credit history does not drop as this is my oldest line of credit.