I am rebuilding my credit. I am used to denials and try to roll with it. The sales woman talked me into applying. I had a CK score of abou 570. I received a credit limit of $300. I have had this card for over six months now. I do not carry a balance if I can help it. (If you buy on line you have to wait for the product to be shipped before you can pay off the purchase.) For the most part my utilization is at zero percent. My CK score has jumped in the last six months to about 624. I was turned down by a regularly MC for not having enough credit cards so my hope is keeping this open will continue to show good utilzation of credit. I don't seem to have as much as hatred towards the card as other reviewers. It has a high interest rate like most store cards. I will keep it open as it is part of my journey to credit. It is serviced by Comenity Bank now.
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Comenity Bank approved me with a $150 credit limit. My score was 642 at the time. After one year of using it and paying it off the same month, they refuse to give me a credit lime increase. I don't feel that $150 is even worth having, considering I have $6000 worth of available credit through other cards. I closed this account today and felt awesome about doing so. It wasn't my oldest open account and only one year old, so if it has any effect on my score, it should recover quickly. Don't waste your time with this card, it isn't worth it!!
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