None of us would have this card, or be thinking about applying for this card, if we didn't need it. So, that being said, of course this card is going to come with fees and high interest rates that other cards don't have for people with better credit. Our goal is to obtain better credit, and in doing so there is a cost. I read all terms and conditions before applying for the card. I realized there was no grace period for interest accruing and I also realized I would have to immediately pay the annual fee of $75 after activating the card. I also undestand that the next annual fee would be billed in installments. All this I accepted before EVEN applying. A lot of headaches could have been avoided if people would just read the terms and conditions before applying. So, now my person opinion of the card.
1.) The card will help raise your credit score if you pay on time and keep your utilization low. I use mine only to pay Netflix and Hulu each month and then PIF. The interest is next to nothing. If you go out and max your card out and only pay the minimum payment, then undestand that your going to be paying a lot in interest and you won't be helping your score. Use the card responsibly and it can work in your favor.
2.) I've had no issues paying online. As soon as the statement cuts I send a payment. I don't wait until the last week or the LAST day - that's just crazy. I understand that some people may not be able to do that based on when payday is - but understand the gamble you're taking by waiting until the last minute. Also, there are a lot of people upset over the express payment fee. Why? I never pay that fee because I make a standard payment which is FREE. The only reason anyone would need to use express payment is if they're hard up for the funds to be available faster in which case you're relying too much on the card. Pay way ahead of time using the standard payment option and you can avoid the fee and relax.
3.) I look at the annual fee as a penalty for my faulty use of credit in the past. As with everything else, there is a cost. The card will help to improve my credit which will allow me to obtain credit in the future without such fees. But, in the meantime this is the sacrifice that I have to make to get where I need to be. Again, all this was described in the terms and conditions before even applying for the card so this shouldn't come as a shock to anyone. Do your research and READ everything before you apply for anything and you will avoid surprises.
4.) I called customer service shortly after activating my card to ask when the statment cut date was and when the first payment would be do. I found the agent to be helpful and we both understood each other fine. The customer service department does seem to be outsourced. A lot of of other companies do this as well. I know Wells Fargo has a call center in the Phillipines. This isn't an issue for me, but it could be for some people.
Use the card responsibly by keeping utlization low and PIF each month and it will work in your favor. Hope this helps. Good luck to everyone out there trying to do that right thing!