Ive paid the 200 and love this helped 100%
So I see a few bad reviews but listen I’ve told my whole family about this card even my children have it and we all pay our bill on time before due date and spend 20% of what we have credit and my credit was 420 now it’s 650 and it would have been higher except I applied for a home loan and they ran my credit about 7 times so it hurt me some but NEVER WAS IT THIS CARDS FAULT. Try it u won’t regret it if u follow this … always set up auto pay and know this if u don’t use it u don’t pay nothing a month. I didn’t know that I was paying like crazy they sent my money back to me bc I wasn’t spending it which also helped my credit!!! And then I began spending 20% I actually paid for Netflix for my kids and only pay that on it… I can’t complain I absolutely appreciate this card so very much without it I wouldn’t have capital one and a coupe other cards I didn’t have to put down to get… I’ll continue to keep this card… I’ve never had trouble getting threw to anyone like some customers said never I’ve called a few times to see bc I’ve read these reviews try it I promise y’all won’t regret as long as you pay on time and keep ur spending at 20% or lower…