I was very hesitant to apply especially with my credit being at a 591 transunion and a 588 equifax. I applied online and was told that I needed to call and provide more information. I definitely thought it was a denial so I let it go a day or two. By day three I decided to call back. The lady over over the phone asked me two questions and I answered them it was pertaining to my phone number and she also asked about my social security number and after that there was a short pause in the conversation. She said after about two mins of silence there were able to approve me for a credit line of $300.
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I stopped using it completely for a long time so I obviously thought I had no payments due, but they charge you for not using the card. Basically if you have a balance of $0, they will charge you. I was charged $2 every month when I stopped using it. The $2 accumulated, and they didn't even notice me. This affected my credit score dramatically, as I was unaware of the $2 fees. Do not get this card! I am cancelling my card!
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