$300 unsecured card after ten years of paying cash for EVERYTHING, plus $150 cash back if i spend $300 in three months on the condition that I make all payments on time. I easily spent the $300 on regular bills, paid the payments on time, more than the minimum and sure enough got the $150 cash back in the form of a credit. It was then that I splurged. all the while my credit score is steadily rising and I have had two limit increases without asking, which looks good on my credit report so long as i don't over spend. I installed their app on my phone and lap top and make payments several times per month to keep my balance low. haven't missed any payments and my credit score is looking better all time.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR Not Applicable
- Balance Transfer Regular APR Not Applicable
- Annual Fee $0 - $99
- Purchase Intro APR Not Applicable
- Purchase Regular APR 19.99% - 25.99%* Variable
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Most Helpful Negative Review
So obviously the only reason anyone would get this card is because they have bad credit and are trying to improve it. I've only had the card a few months but I'm cancelling it this month. I haven't had an issue with payments as some people seem to have. However, they never notify me when my statement is ready and the payment is due. Also, it would be nice if the website allowed you to make a payment when the payment is due or to schedule a payment ahead of time. The only options seem to be to make a same day payment which could take up to 7 business days to post to your account or to make a rush payment which of course there is a charge for. Luckily I check my account often enough and don't use this card much so it hasn't been a problem. Nevertheless, it's clear to me from my own experience and those of others that this company seems to want to make it difficult for people to pay their credit card bill. AND, I always charge a small amount and pay it in full after they've reported it to the credit agencies. So literally not a single penny rolls over from one statement to the next and yet this month they charged me nearly $5 in interest on purchases. And I haven't made any purchases since the last statement and payment. I would dispute it but I'll pay it and just be done with the card forever. But given that they never notify me when the statement is ready and the bill is due, had I not checked the account (because I wanted to close it), I wouldn't have paid the bill and that would have been a late/missed payment which would have been a negative mark on my credit report and of course would have made my balance $35 or more by the time they tacked on late payment fees etc. There are other cards that will help you build your credit. This company really seems to want to do the opposite of that.
Here's what to do if you must get this card:
1. Only charge a small amount so that you can pay it in full the next month. You don't want this card charging you even more interest than they already do.
2. Find out when they print/prepare your statement. This is when they report it to the credit agencies.
3. Go online and make your payment as soon as your statement is available, allowing plenty of time for the payment to post by the due date.
Note: Remember it's not about how much you charge, the less of your credit you're using the better. Once a credit card company has reported to the bureaus that you've used your card you are now free to make a payment. Don't wait until the due date. Automate it if you can.
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