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.
Nightmare so far!!
Got a pre approval in the mail on the 24th of November, after reading the reviews and their terms and conditions, i still applied. I havent recieved that card yet, they "sent" it to the wrong address that i havent lived there in 3+ years and they said it was my fault i must've auto filled in the wrong address(impossible). Long story short ive made well over 8 calls to them, ive gotten multiple wrong numbers to fax in the paperwork they need to update my address, they cant even tell me if they got the fax! They wont give me any of my account information, theyve already charged me the $75 fee and i can not pay it without any info to even start an account. They told me to wait until the 18th then call back in to make sure they got the fax and theyve accepted it. At that point they will reissue a card and i should see that within 3 weeks. Absolutely terrible customer service and company!! Stay away and listen to the reviews.. its not worth it..
I agree it's a lousy card. However , in the case of your complaint , how do you suppose they got an address you haven't used in 3 years if you didn't give it to them?
They got it off his credit report,so if his reports arent updated with correct address,creditors send cards to whats listed on reports for our security and or fraud reason. He may have incorrect address on the credit agency they pulled.
Yeah your probably right. Still his fault for not updating his information in three years.
It's a good card and serves it's purpose. I'm glad to not have the credit increased. It just sets you up for failure.
You have no idea what you're talking about. Limit increases=lower utilization rate which=higher credit scores. There is no reason to be happy with a card that never raises your limit
Worst card ever.
Do not get this credit card
I have this credit card for over two years. This is the worst customer service worst credit card that I ever experienced. I paid off my balance it cleared my bank it cleared there Bank And funds were still not available to me. This company really needs to go out of business they suck. That's why I closed my account. Pocket beagles
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!
Are you sure the"fraudulent" pending charge isn't the annual fee? That is always on the card when you get it
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
Who was your other card are they good with assistance in rebuilding
Go with cap one. They'll approve with scores similar to ones needed with this card. Guaranteed increase after six months. No annual fee.
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.
I don't care if you work in the corn field. I have several cards and you can make changes on the day of on all of them. Only thing that varies is the cutoff time