I started fixing my destroyed credit and got the Capital One secured card first. Once I had that card for a year I got my credit up to around 600. I kept usage below 30% and applied for this card and was approved with a $2500 limit. I use it for everything but I don't leave a balance, I have it on autopay but I also login every few days and pay it off so that I don't risk having my usage above 30% at any reporting time. I have received the introductory $150 for spending more than $500 within the first 3months and have been getting around $50 in cashback rewards each month, spending money paying bills and shopping for things that I would normally be shopping for. I have had no issues with this card so far and would highly recommend it if credit karma recommends it. They haven't steered me wrong yet.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR 0%* intro for 15 months
- Balance Transfer Regular APR 15.99% - 24.74%* Variable
- Annual Fee $0
- Purchase Intro APR 0%* intro for 15 months
- Purchase Regular APR 15.99% - 24.74%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
Ive worked my butt off on my credit report over the past couple years. Have cap 1 platinum, chase freedom $4500, discover IT $3000 and Amex BCE 10k limit. 732 TU and EQ, 754 EX. Perfect payment history, nothing bad on my report, everything tip top shape. So I was quite surprised to only get a $500 CL from the unlimited!?! Just paid off a truck loan from Chase,and have the freedom, both PERFECT payment hstory. t first I had to call because they said my identity information was wrong. After a long phone call and proving who i was, get the $500 CL. Such a great relationship with CHase, LOVE them, always loved their reps, but was quite disappointed with a $500 CL.
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