Serves its purpose
I've read the reviews about this card and the reason I decided to apply anyway is because most of the complaints about the card are because the applicant simply didn't read what they were signing up for. This isn't the fault of the company...it's your job to read, read, read! I expected to have the annual fee on the card already when it arrived because you know...I read. Anyway, I was approved for the card and received it within a week. I activated it with no problem and I even used the card out of town without a problem (one of the reviewers mentioned being declined while out of town). I haven't had to use customer service so I can't review that, the website has worked well for me every time. I will come back in a few months to report any other experiences I've had with the card (good or bad). I won't keep this card forever, this is merely to help my credit score again as I don't have money to put onto a secured card right now. My plan with this card though is to just charge netflix and pay it off. The interest rate is really high, so you really don't want to use it for more than that.
Don’t get it
I never write reviews but I had to On this one.. this is nothing but aggravation.. just got card has a pending charge I’ve been calling everyday to remove charge they will not dispute or cancel card leave you on hold while they still will not fix the fraud that is going on worst card ever. I have other credit cards and have never been through so much.. still 7 days later and can not fix the issue countless calls and wait times for no resolutions... please stay away!
Don't Apply
Had the card for one year. Paid on time never late. Requested a credit limit increase after my one year anniversay. Customer Service Rep stated that they do not give those out. Don't waste your time. Part of trying to increase your credit score and show your credit worthiness is for companies to increase your credit limit to show other creditors you are to be trusted.
Great card for bad credit
Had this card for bout 7 months never paid late I really dont think they give credit increases my other card gave me a 300 increase on 6th month , I will be paying this card off and closing account in Feb 2019.. It worked for me temporarily, not a long term credit card and interest is high .. 99 annual fee ,lol, will be closing account b4 that fee gets charged ,lol
Terrible Card to own
Credit Limit only gives $300 with no program set up for credit increase. Customer Service is the worst ever most likely an outsourced phone answering service. Use this card only as a throwaway your don't care about cancelling or losing.
Weird
I have cash left on my balance but I can't use it. Can't access customer service unless you call a number and wait.
first time calling customer service....
I put the wrong payment amount in. went to amend it, 'cancel payment' tab wouldn't even open up. the website clearly says you can cancel payments up to 4:30 pm on the due date; it's 10 am. the guy I talked to said I cannot change the payment because it's scheduled to come out today. I'm not trying to cancel my payment, just amend it!
you can't make any changes to payments the day of. I work in the financial field. Once that day comes the system has already batched the payments for that day.
Didn’t ever receive it!
It’s been over 2 months and 2 replacements sent and I have yet to receive the “card” they claimed they sent. When I called to cancel the card, the lady was very rude and didn’t want to close out the account. She kept talking about credit. I told her frankly I rather just obtain another credit card from another company. Don’t mess with these jokesters!!!
Just say no!!!
I
Don’t do it
Worst card ever!!!!
Customer service sucked bad paid card off and money wasn't availiable for 2 weeks even tho it cleared my bank and they showed it as paid on their website!!!! Dont get this card!!!!