I have a secured card and just applied for this card as well and my score is 560TU 580EQ. The app itself took 5 minutes to complete. I was approved within two business days (applied on Friday and got the message on Tuesday), the card was mailed in two business days (sent Thursday), and I received the card that following Monday. Less than 2 weeks from the application date. I never had to send any documents to anyone and I never received any phone calls. I really don't understand what people are complaining about. Let me be clear about something most reviewers don't seem to understand: YOU HAVE POOR CREDIT. YES THERE ARE FEES THEY NEED TO MAKE MONEY. ALL OF THE FEES ARE LISTED BEFORE APPLYING AND IN THE AGREEMENT YOU ARE SUPPOSED TO READ BEFORE FINALIZING YOUR APP. It's like asking someone to trust you when you have a history of lying. They need to protect their money and their investors' money (if they have any idk) so they're going to charge you in case you default. It helps mitigate losses. After a year of good payments, your score should go up considerably ASSUMING you're not flopping any of your other loans, and then you can move onto bigger and better fish with lower/no fees. Mine went up 100 points in just 7 months because I buckled down and kept my payments up. After a year of this card I'll move on. That's what this card is used for. Also, I read some reviewers saying the fees for credit limit increases are insane but it states right in the user agreement that CREDIT LIMIT INCREASES ARE OPTIONAL. YOU HAVE THE RIGHT TO REFUSE THEM AND PAY NOTHING. Again, you have bad credit. Stop whining and suck it up for a year or two until you can qualify for better cards. I haven't needed to contact to customer service so I will give them no rating.
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