This is the best sub prime credit card I have (i have 5). They increased my limit after just 4 months of on time payments. I've had the card about 7 months and without using the express payment option my available credit is there a day or 2 after making my payment. They also apply monthly rewards to your card. Some of the sub prime cards out there are terrible so beware but this is truly a safe bet if you're serious about rebuilding your credit.
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WORST CREDIT CARD EVER!!!! PLEASE RUN!!!! I went out of town & used the card at Walmart & my card was immediately declined. I received a text to confirm the transaction. I received another text stating my card was cleared and ready to use again. Well, it wasn’t. Customer service was closed. I called the following morning only to discover that if you’re out of town & use it at Walmart they automatically place a block on your card and to remove this block you must FAX a copy of you Drivers License & a recent utility bill to their ‘home office’ it gets better, it takes 2-3 days for them to receive your fax & an additional 7-10 days for them to review it & release the hold on your card!!!!!!!!!!!!! I have NEVER heard of it taking ANY company 13 days to confirm I AM WHO I SAY I AM!!! Besides I answered every security question, social security #, address, phone number, last transactions!! I’M DONE!!!
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