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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Most Helpful Negative Review
I opened this card because of the benefits they give you when you have a wedding registry.
I have a ton of high quality credit cards. This is the first one I've hated. The website is terrible, and it takes about 15-20 minutes to get someone on the phone by the time I navigate the phone menus and manage to not get disconnected. It's virtually impossible to get your account number so you can pay through any other source but them (ex: your banking website).
I've attempted to change the statement end date so it syncs with my other cards, and I've had significant trouble with having them change it - they refused the dates I requested due to internal policies.
I regret opening this card, at some point the damage to my credit rating this may cause or the fees I get stuck with will far outweigh any benefits.
P.S. I've never taken the time to review a credit card - this one causes me so much frustration.
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