This was second card I got approved for after 10 years of horrible credit hadcredit one card for 8 months on time payments got approved for this one make my payments out of same account each month the post same night and it’s available next day to use as credit again pay off almost all every month for past 7 months now score just went over 600 this week working to get it back after spending young years demolishing my credit LOL

They approved you for the lowest amount then charge you a fee from the amount you was approved for before you even use the card in it bring your score down so fast then helping raise it leave this card alone It’s garage!!!

Do not apply for this card high interest rates customer service is very poor!I spoke to a supervisor named Peggy about my account she was not helpful at all!

I have this card and you just need to go in knowing a couple things: -the credit limit will ALWAYS be $300. They don't raise limits ever. -it takes 13 days to process a payment you make online but if you make a payment at Moneygram (yes, there is a fee and you have to go to a location) your payment processes in just about 24 hours.

Payments take forever to post. Customer service is horrible. I rarely use this card and only keep it open to show as a positive item on my credit report. Horrrible company.

They charged me 200 $ interest for 16 $ purchase. Do not accept that offer. It’s a scam company. I closed the ac just within 1 month.

One of the worst customer service.. I do not recommend this company.

Applied in Dec 2020 I had a 605 credit score when I applied. It went up to a 620 credit score when approved. Credit Limit $300. Excellent card to start off to rebuild. The secret ask questions. If you bill due date is on the sixteenth of every month and you know it takes 10-12 business days to process your payment. That means you have until the fourth of each month to pay. Otherwise its a late fee. Pay balance off every month. I keep balance under $100.

There are better cards to apply for to start or reestablish your credit. It takes 14+ days and counting just to see your payment credited to your account. They received my payment 4/28/21 and I have yet to see available credit. WORST CARD EVER!!!! I have Credit One credit card also which so far has been great. I'm forced to give a one star but it deserves NO STARS!!!

Please do not get this card. I had this card for 4 years not credit increase the limit is only $300. It's say annual fee between $75 or $99. one was $99 every year. The payment was always $40 a month. Even if you are desperate don't do it.