Use only to build or rebuild credit...
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.
Outsourcing
Horrible web site,30 min minimum for customer service, high interest,etc. O
They find ways to charge you new fees
They offer an express payment option you have to pay more for. Which would be fine if the regular payment option didn't take a full week to hit you balance. Which again would still be fine but then they smack you with a "bank accounts need to be verified now to be used" two days before your payments due! So now you're forced to use the express option that charges you fees. Wonderful.
AWESOME!
This bank helped me put my credit back on track! They approved my request for a credit card and it has helped me rebuild my credit. Customer service is always very helpful. I recommend this bank for re-establishing credit.
Approved while in bankruptcy
I applied for this card before actually getting discharged for bankruptcy and was approved for a $500 limit and $39 annual fee. Only dislike about this card, is once you make a payment it takes about 5 business days before that payment is available for usage.
Surprisingly better than expected
Ofcourse it’s says annual fee so it is expected to be taken out from the first available credit. I have only had this card for a month now and was pleasantly surprised to see a credit limit increase from $500 to $700 two days ago. It’s a good card as far as I’m concerned. Although available credit does take days to post after payment, other than that, I think it’s a good card if used responsibly. Yet to call the customer service so I can’t speak on that.
Sucks
Do not get this card
The experience has been very good. You have to make sure that make the payment on time to avoid extra charges but is a very good card.
Good for credit repair
The application was easy and I was approved for a $500 credit line with only $39 annual fee. I know a lot of people are saying $75 fee and $300 credit line, but my credit score is 748 which might be a little higher than some, so that is probably why I got a better deal. The only downside is that the APR is a little high, but it's a credit card. I had a bankruptcy two years ago and I have been working to repair my credit. Apply to cards, don't make any late payments, and you will be fine. And this card apparently gives you increases for paying on time, so that is nice.
It's a great starter card.
The annual fee is a lot. The fees are what you'd expect for starting to build your credit.
Very helpful getting my credit in better
Really helps your credit