This is a great card to have if you love shopping on HSN. It does carry a hefty interest rate of 26.99%. The gave me a starting limit of $750. Just requested an increase in October 2010. Got approved for a new limit of $1,050. I was approved for this card with a credit score of 680. My suggestion is buy a a few things at a time and pay it off before the interest gets to be out of hand. Keep in mind on any credit card you are approved for try to never go over using 35% of the available credit. For example if your approved for $1000 limit only utilize $350. This keeps your credit score up and reduces the risk of your limit possibly being lowered and ending up in a maxed out status.
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insanely high APR and i like the fact that i can do flex pay when its small items. DOWNSIDE: they pull your credit for every flex pay you sign up for and can deny or approve you even if you have their credit card! that threw me off! was approved with a $350 CL on TU of 614. this is also serviced by comenity and really, their service is awesome. YOU ALWAYS GET A HUMAN BEING and its not oursourced customer service. that alone is worth the card.
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