I got this card December 2016 with a 589 CS and was approved with a $200 CL. I actually didn't expect to get it, what a surprise. I am trying to rebuild my credit. I am very happy with this card. Haven't gotten an increase, maybe in the future I will request one. I try to keep it at zero. My credit score has gone up after this card to 602. Not much but I do have other issues to work on with my credit.
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I just signed up for the old navy visa card and my credit score dropped TWENTY-THREE (23) points because of this old navy card. I just bought one thing. my balance is $22 dollars, the credit limit on the card is $1,800. I have been waiting 7 days now to get the card to pay off my balance, some people say it takes 10 to 30 days to receive it in the mail. I cant pay my balance until i get the card. I am scared of this card because the apr is extremely high. I hope it comes in the mail soon. It really sucks that you can't pay the balance in the store.
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