I’ve had this card for less than a year. My inital score was about 560 with a previous collection on my account that I had paid off just a month prior. With that, I was approved for with a $1000 credit line. I only used it for groceries and bills only, which was perfect! I paid my bills a week or two before it was actually due so that there was no risk of getting charged interest. Then by the 5th month of on-time payments, they raised my minimum to $4000. Even though I only use about $300 on my card, it’s been helpful to lower my usage percentage and thus increase my credit score pretty significantly. By the 3rd month, my score increased well enough to get another CC (Alaska Airlines) which is used as my primary and Journey as a secondary. Now my score is in the 730s after just after 3 months w Journey and 4 months with the Journey and Alaska CC combined.
Journey made it possible for me as someone who started with a low credit score. I’m pretty happy with the progress I’ve made.