Coming down to my 3rd month having this card. Here are my Takes. After applying witch is simple no crazy approvals needed. Card arrived in about 8 days for me. Activated and all done. The annual fee will kick in after your first month after your first charge on the card. Keep in mind only ACH payments are allowed. Takes approximately 3-5 days for any payment to reflect on the account. And about another 3 days for the credit to be reflected. Do not expect this card to be a card for daily use or for emergencies. This card is best for rebuilding your credit only. Maybe have one or two subscriptions on it like Netflix or something similar so you have monthly charges and autopay. Annual fee is a little bit high but so far my credit has gone up a few points (10) and will review it after my 6th month with the card.
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