Good for rebuilding poor credit
$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.
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Not your traditional credit card
I only opened this card to help build my credit. To my surprise I received a statement after only having the card for 3 weeks with interest on it. I don’t pay interest! I have two other credit cards that I pay in full each month and had planned to do the same with this card. This obviously is not a good card to open if you’re a person like me. If I wasn’t trying to buy a house I would definitely close this card and take the hit on my credit.
Crooks, Liars, All round awful
Annual Fee of $70, that I frankly do not remember being told about, however, that aside, it takes 5 business days for a payment to be posted to your account and the funds available for you to use. OR you can pay an extra $10 for a faster payment. They also suspended my card at 8PM when i was trying to use it. Not only did it cost me nearly $102 in a penalty for not being able to pay for what i needed to at the time - which is coming out of my own pocket for their actions - they advised me that to get it lifted i would need to FAX over my doccumentation. Now, 1 - who the hell uses a fax these days, 2. where the hell was i going to get to a fax machine at 8PM, and 3. even after i would have sent them what they asked for, it would have taken a week or more to lift the suspension. Their customer service is terrible. the people on the phone are slow, rude and their scripted apologies are pathetic and insencere. I have cancelled my account, and will not be giving them my business ever again. I DO NOT RECCOMEND THIS BANK OR THIS CARD.
PLEASE BE CAREFUL WITH THIS COMPANY
First of all the annual fees are out rages, Second of all you get nothing at all in return out of this card, customer service is the worst I have experience OF any company thus far, so if you trying to rebuild your credit without getting Rob run away from this COMPANY. Let’s say if you have it for five years at $100 a year that’s $500 in there pocket, they’re praying on people with low credit and poor people be where of this company it is based in India or Pakistan total crooks no American representatives,BEWARE I JUST CANCELED MY B4 THEY GOT ANY MORE MONEY FROM ME I RATHER TAKE THE HIT ON MY CREDIT THEN TO FUND THIS COMPANY,BESIDES CASH IS KING, I RATHER HAVE A BIRD IN THE BUSH THEN TWO IN THE HAND
PLEASE BE CAREFUL WITH THIS COMPANY
First of all the annual fees are out rages, Second of all you get nothing at all in return out of this card, customer service is the worst I have experience OF any company thus far, so if you trying to rebuild your credit without getting Rob run away from this COMPANY. Let’s say if you have it for five years at $100 a year that’s $500 in there pocket, they’re praying on people with low credit and poor people be where of this company it is based in India or Pakistan total crooks no American representatives,BEWARE I JUST CANCELED MY B4 THEY GOT ANY MORE MONEY FROM ME I RATHER TAKE THE HIT ON MY CREDIT THEN TO FUND THIS COMPANY,BESIDES CASH IS KING, I RATHER HAVE A BIRD IN THE BUSH THEN TWO IN THE HAND
You would rather have a bird in the bush than 2 in the hand? You realize you got that backwards , right sport ? Lmfao
Horrible!
Avoid this credit card at all costs. It costs me like $100/year so your pay never hardly applies. IF theyll give you an increase it cost you like $30. NO WAY!!!! They just try to keep you in bad credit!!!
ABSOLUTELY CROOKS, BEWARE!!!!!!!!!!!!!!!
Should be illegal for all the charges they charge you, even if you pay them there is a charge. Scam, credit karma should drop them because they are scandalous! YYOU HAVE BEEN WARNED!!!
" HORRIBLE EXPERIENCE"
WARNING >>> STAY AWAY!.....Crooked Credit One
dont walk away, Run From This Rip Off Company!!!....
Closed The Account The Day After I Got The Card.
Find The Dicover Secure Card .. Thank Me Later...
This is a card you get only if you have
They charge fees for everything, and there are no rewards, I guess they figure you have nowhere else to go if you're accepting their offer. What incentive is there to keep you? The credit line increases even cost you money if you accept them. I was building when I got the card, and I want to close these cards so bad.
I wouldn't suggest this card to anyone, and if you can go for a secured card with a more reputable company. One who has Americans to talk to when you need assistance. They are not only incompetent, but rude as well. Stay away!
It's easy to use
Easy to use and good customer service
Horrible scammers
Terrible card. Easy to get, but regret it. gave me $300 limit after $75 fee......no problem, I figured with the cash back I would break even on the fees. But then they change the cardholder agreement shortly after I activate and use the card. Now they are charging interest as soon as the charges are posted, no grace period! now I have paid $75 for a card that I will never use. will cancel after month 11.
They did not change the cardholder agreement. I've had the card 2 years , and even back then , it was clearly stated the inerest was charged as soon as purchase is posted. If you don't like the policy that's fine , but why lie?