This card is for building or rebuilding credit. Everything is explained up front if you just take the time to read their policies. I was granted a starting credit limit of $500 with a credit score of around 580. After one year, they will allow you to apply for a credit limit increase. They report to all three credit agencies; so get this card if you can afford the fees and interest rate. There is an annual fee. Use it sparringly and make sure you make at least the minimum payment monthly and you will see your credit score increase. The interest rate may be high but that's just the price you pay when applying for a no-frills starter credit card. Also, customer service has been good to me so far. Payments post to your account within 24 hours usually but it sometimes takes a few days for your available credit to reflect your payment. Website is minimalistic but gets the job done. Use this card wisely, correctly, and do your part and you shall reap the benefits of a higher credit score.
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 20.24% - 26.24%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
I had been approved for this card with a $300CL and set up my bank account. I was asked almost a month later to confirm two "micro payments" into my checking account in order to link this credit card to my bank account. When I tried to confirm the payments (that I wasn't able to locate even a week after they were supposedly made) via the app, I was told to call a number. When I called the number, it got really awkward. The indian lady on the other line asked me to verify my social/DOB/security questions, and more info than is required to enter Fort Knox. I confirmed everything, and to my bewilderement, I was told the account had been cancelled - I had no idea. I was not issued a letter, not told by the app, etc. If I hadn't called, I have no idea how they would have let me know. She then told me it was because three previous payments from within that month were returned because "the bank information had been entered incorrectly". I then gave her my routing and account numbers over the phone and she repeated them back INCORRECTLY TWICE. The amount for human error with this company is truly staggering. I asked to make a payment and then reinstate my card, which she informed me would take 7-10 buisness days. I finished with asking "how will I know the decision about my account being reinstated?" She seriously goes, "you might want to call back in 7-10 business days". Mind. Blown.
Long story short, I should have listened to all the other reviews on here - this is a highly unoraganized company that has the potential to to GREAT HARM to your credit. So if you're reading this and thinking about applying - DON'T.
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