It's a secured card, it is what it is, but so far, it is as good as any other secured card, and a far sight better than a lot of them. On the plus side, with responsible use, this card can eventually lead to unsecured credit line increases, and eventually graduation to an unsecured card!
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Most Helpful Negative Review
I have had this card for over a year now and when it was time for graduating from the kickstart program, they started making excuses by saying that was not an option anymore. My credit score is 656 with a very low debt to income ratio and never been late on any payment ever on my credit report. If you get this card with the hope of converting it into an unsecured credit card, please reconsider because you never will. I normally dont ever leave any negative reviews, but what they did to me is not very good business practice. I just went ahead and paid off the account and closed it. Now I will be waiting for 6 weeks to get my deposit back...lol. Oh well, I have a Barclaycard, Bank of America, Discover, and Cap one unsecured cards.
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