This is the first card I got after my disasterous divorce which destroyed my credit. Started with the $200 deposit and made payments on time every time to start building my credit. My credit score did benefit from this almost immediately. However, the bank were very slow to give me any credit line increases. Finally, after what seemed like the longest time I did get a VERY small increase. My wife and I laughed about it but, you know what, it was better than a slap in the face! I perservered with it instead of getting all bent out of shape about it and I continued to just keep making those monthly payments on time. Eventually, I got another increase...then another...then another. Now, it's pretty decent and, if you have the patience to actually rebuild your credit, I would definitely recommend this card. The fees are really not that bad and spread out monthly instead of one big one. So if you need to rebuild your credit, your score should benefit immediately from getting this card. But it WILL take patience to get CL increases and you need to pay on time. Oh, and also, I should mention this.... I've called customer service a few times to put travel advisories on my account. I've gotta tell you... their customer service is BY FAR the friendliest and most pleasant to deal with when compared to other banks I've spoken to. And to me that is HUGE plus!
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR Not Applicable
- Balance Transfer Regular APR Not Applicable
- Annual Fee $36 the first year. Billed $3 per month thereafter
- Purchase Intro APR Not Applicable
- Purchase Regular APR 18.95%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
Got this card even though I read the reviews.. Wish I had not now.. had a charge right away, so called was told to cut it up and they would send me a new one.. was told not to do anything to the account until they figured out what was going on. So I did not. Went to use the new card denied.. waited a few week and again denied.. Never got to use it so figured it would just close the card .. so never made a payment, didnt have anything to pay so I thought.. turns out they charged me for the annual fee and the start up fee which was a total of 150 then a late fee for no payment.. so in the end 192 for a card I never used. When I called was told different things and finally got to talk to someone who knew what they were doing but couldn't help. So closed the card and now my score dropped 40 points cause of them reporting that I didnt make a payment.. DO NOT get this card. They will screw you over, most do not know what they are doing. And for a 500 limit you have to pay 150 before anything even if you never use the card
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