ITS a credit card for people with bad credit. The pluses is they report to all 3 credit bureaus and if you do the right things like keep your credit utilization low and pay it on time it will increase your credit score and in one year they will increase your credit limit by 100 dollars. Also they gave me a second credit card with a 700 dollar limit. I am happy with the company. No problems with the payments. I think a lot of people with bad credit have to understand that if you screwed up your credit you will have to pay. That's how life is.
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I have this card, paid the fees, pay off the balance monthly. Had it nearly 2 yrs. Had never been offered a credit limit inrease at all. Nor do I want one. Just keep it to look good on my credit report. In the meantime, I got another card from Capital one, then another from Capital one their QuickSilver with Rewards, started out with a 700.00 limith that jumped to $4,500.00 after the first 5 months. This card is something to use as a stepping stone. It will kelp somewhat. It worked for me in rebuilding my credit. Hope this helps some. Take care!
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