Adequate for credit building
For the most part the bad reviews that I'm reading are from people who CLEARLY did not read any of the account disclosures it gives you to read before you apply and/or don't understand how credit cards work ex: if you have a $300 credit limit you can't pay them an extra $700 and make it $1,000 credit limit. Credit cards don't work that way, no credit card works that way so if that's what you're complaining about it's not really the company's fault. Yes the interest rate is crazy high, yes there is an annual fee, yes it's a low credit limit that can't be raised, yes if you're one second late for your payment you're going to get late fee. Get this card, use it responsibly, don't wait until the last minute to make payments. Oh and if you apply for the card you need to be aware that if you don't get a bill in the mail and you don't set up your online access or you can't set up your online access you are still responsible for the money you owe including the annual fee!!! This is not a scam this is how low credit limit credit rebuilding cards work. The only real complaint I have is the sometimes long hold times if you call customer service.
Credit scam.
They tell you high approval. I have all current credit cards in good standing. My fico is low, in the 580's. I've applied for 1 other card recently and was approved. I applied for this one and was DECLINED for recent to many credit card applications. THIS CARD HURTS YOUR CREDIT SCORE, IT DOES NOT IMPROVE IT! STAY AWAY FROM THIS PREDATORY CARD PROVIDER!
Very onorganize dishonest customer service. I will close the accout soon as possible.
Th i s card is terrible.
Awful customer service, annual fee $75 so your limit is less. They taje to long to process payments and in my case not at all. Kept saying my checking account was returning the payments. They're too dinky, big bank cards are much better. Don't waste your time on this one.
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I had this card during rebuilding stage, I have since closed it as the limit of $300 just didn't make sense for me. All my other cards are at a minimum of 1.5k. A better alternative is going to Discover and giving them a deposit to open a secure account and with good payment history they give that deposit back and increase your limit.
300 limit is stupid and not worth it
300 limit is stupid and not worth it
Why is a $300 not worth it? I started at 300 made my payments in time now 3 months later it is a$800. And brought my credit score way up
There is no step up program. You are locked into your $300 limit. I have had the card 9 months have never missed a payment and they would not raise my limit
I can relate to your review "Anonymous cardholder". Your credit report should have improved so apply for a different card. The way I see it is that I didn't get in my dire financial situation in a night or a weekend, it took me 8 years to from 780 to a 520 credit score. I'm Grateful the company gave me a $300 limit but I'm looking for other things options myself. Can stay in the problem or get in the solution. I prefer the latter now a days Lol Good luck
$75 cover , don't waste your time .
this sounds like a mom and pop credit card company.
Waste of Money
This card is junk. Every month, they come up with some way to tack on fees in addition to the $75 fee they give you for even having the card. Don't waste your time.
PIECE OF CRAP X2
I overlooked the fact that it had this annual fee of $75.00 which is almost half of the credit limit that was allotted, Immediately cancelled the card when it came,(NEVER-USED) but they are still collecting the $75.00 annual fee so unfair,, and they said will even report if you missed a payment... Card fee was the remaining liability... STUPID CARD!!!! DONT GET TRAPPED!!! iwill report to BBB. Customer Service is from overseas, an make you wait FOREVER.
WASTE OF CREDIT CARD!!! IS A SCAM!!!
Piece of CRAP CARD!!!! DONT GE THIS CARD