I got this card about 16months ago when my fico was about 530, got approved for 300, then 450, then 600 now 750. Yes they charge u 22.95 for every increase, yes they charge their annual fee in annoying monthly payments of 8.25 probably hoping u miss a payment so they can hit u with the late fee. My score is now 594 just got approved for cap one quicksilver for 300. This card is about rebuilding credit ive never dealt with the cust service, i make about 200 a month of purchases and sometimes make multiple payments on purchases. They do report to all 3 bureaus and it is accurate. Its helped me get my score up and yes when i hit about 700 ill probably cancel it as i get better cards with lesser fees in the meantime if i asked u would u pay me 99 bucks if i could get your fico score up 50points in a year u probably would if you looking at this review, well thats what this card can do. All the negative reviews are from stupid people not reading, yes express payments they charge, standard ones are free they take maybe 4 biz days and no your available credit isnt available til after it processes so maybe a week in total. Everything is in writing people just have to learn to read and they then wont get u with all these hidden charges.
stevez33's review was: