Got this card from on here received the card don't understand why it's telling me that my chances of getting this card is poor when I already have it and also called to activate card it asks you to set up a pin I go try to use the card it tells me invalid pin so I call them and they tell me you can't set up a pin that way even though it gave me that option they say they have to send you one out and that's the way you have to keep I'm not sure I like this idea

I politely asked them to lower my interest rate after making a $140 minimum payment: Late payment fee (oops.. ), plus over the limit fee and penalty. They refunded me over half the amount as account credit. How nice! I have good credit history and have never declared bankruptcy. Try to get transferred to the right customer service department, they might just help you out. High annual fee sucks, I'm with everyone on here and I'll probably cancel it before the next one hits.

Applied and was approved, despite having poor or fair approval odds. Great card! Used a little bit and paid it off... hopefully it helps to build some credit!

Even if you're without a credit card. DO NOT apply for this card. I've had the card for two months and so far it has been of no use. They placed a 14-day hold on my card.

I’ve had this card for a short time, and have used it. It is essentially a worthless $300 credit card; the end. But it has gotten me out of a jam a few times. I had no billing or communication issues, and no complaints. I say get the card but it’s only $300. You’re better off just saving $300 interest-free bucks yourself, and use it on that rainy day.

Generates late payments fees and negative credit reporting due to slow payment posting. Choose a different card!

The website doesn't work, I'm not even using it and I'm always over the credit limit. This card is horrid.

High annual fee and very low credit limit $300 which they will NEVER increase.? Very bad/rude customer service center!!!

Don't get this card unless you're building credit.? The credit limit is at most $300.? They charge a $99 annual fee and don't offer a credit limit increase.? It's not worth the headache or the cost associated with it.