This card has the high interest rates, the annual fees, and everything listed by the 1 star reviews. However, my credit was completely shot. It cost me I believe 120 bucks total to get the card in July. I have had on time perfect payments. Keep my utilization between 5%-15% at all times, although 9% is where I am mostly. My credit has increased almost 100 points in 10 months of working on my credit. My school loans also factor in. I am looking to buy a house in March; I got approved for a 100,000 FHA loan. This is by far the most expensive way to help rebuild your credit, but for me and many alike this is the only way to do so.
I will not complain as it was the starting point for me and has allowed me to fix my credit (still rebuilding). I recently just got another card with a higher credit line. I will be closing this account after my house goes through. I cannot say enough how happy I am that they gave me a chance, and also never ran a hard inquiry on me. (So my guess is anyone can get it). I would also like to let everyone know to make sure to check your own credit scores. I LOVE CK because it is pretty accurate with updates on my credit; however, it is nowhere near my credit score. My credit score is 640 and CK shows 591. Good Luck and I hope this helped someone.