Ignore the 1 star idiots that talk about their "late payments" or other self-inflicting stupidity they level onto Paypal for their trouble. Quite frankly this is my best personal tradeline BECAUSE it doesn't report to the CRA's. This way I don't have to juggle Utilization Ratios and other nonsense month to month as I purchase larger ticket items on deferred interest.
Pay on time, and don't overspend yourself and this credit line is the bees knees. Try to buy a 10,000 dollar something you can't actually afford, miss payments, and then whine on CK reviews about how bad the card is, and the more of a fool you look.
Comenity also gives massive increases on their other branded credit lines, so the open endedness potential of this card is pretty ridiculously high.
The one downside is that you cannot simply request CLI, you have to try to buy something over your limit to trigger a SP on the spot review. They do do occasional infrequent auto CLIs (as well as CLDs if you're mucking up the rest of your reports like I suspect most of the one-star angry people are doing)
No rewards other than deferred interest, but an account with a relatively low APR even for fair credit folks, there is nothing keeping this tradeline from earning a solid 4 star rating. I cannot give it five due to it being wonky in the limit department.