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.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR Not Applicable
- Balance Transfer Regular APR Not Applicable
- Annual Fee $75 - $99
- Purchase Intro APR Not Applicable
- Purchase Regular APR 23.90%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
Got this card with "bad credit". Used card responsibly and made payments on time. No issues with making payments from website as they always posted on time. One credit rating improved was able to get better cards. Closed this card after 11 monthes paid in full with no issues. Just didn't want to pay $99 annual on a $300 limit card. Customer service was very helpful when closing the card and was updated accurately to CB.
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