I had horrible credit when I got this card. My score was 530, and I was approved for $1100. My score jumped 80 points as a result. This card helped me recover, in conjunction with a secured credit card from Capital One.
The fact that I even qualified for no-interest for 12 months, $1100 credit line with a score of 530 made me question the quality of the card, but in the end it has helped me a lot. Can't say anything bad about this lender.