Credit score jumped +36!!
I was approved for this card and put the $200 deposit on. It is a secured card so basically you are using your own money to build your credit. PLEASE, if you’re thinking about this card read these important things, good & bad, I’ve learned about this card that they don’t tell you initially: 1. There’s no phone customer service. You can call. You will never reach a human. I promise. I’ve tried all of the things besides sacrificing my first born to get someone on the phone. There is, however, a handy dandy PO Box in the middle of nowhere you can write to. Haven't tried that route yet lol 2. Your payments take forever to process. It sucks. 3. My credit score went from a 542 up to a 593 after 2 months with this card, it jumped up +36 just for opening the card. I was so happy! 4. Just because you have a $200 credit line DONT max out the card, that will lower your credit score actually. Your credit report will read “maximum limit” or whatever. Basically the credit agency’s watch your spending ): 4. Opt out of paper billing and get the app. Saves you a $3 fee per month for “paper statements” Ok so the final reason I gave this card 5 stars is because it’s doing what it said it would. No hidden crazy fees yet, it’s a tad aggravating to figure out the website and app if you’re not tech friendly, but if you need your score to go up fast, get this card and keep your balance under 40% of the available credit line. Hope this helps!