It’s not a scam, but I was leery too. I got the card for my daughters 18th birthday. It’s been 4.5 months and she now has a 680 credit score. All the negative reviews are from people who are irresponsible and don’t read. The only negative thing I have to say is that when you make a payment, the available balance and payments received don’t update for a few days. Make sure you read through all the functions under your online account. Turn off paper statements so you don’t get billed for one. Use the card sparingly and set up automatic bill payments. Have a checking account so you can pay your bill. Hope this helps.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR Not Applicable
- Balance Transfer Regular APR Not Applicable
- Annual Fee $35
- Purchase Intro APR Not Applicable
- Purchase Regular APR 19.39%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
This card is just ok. It takes a week or so for them to post your payments to your account.
See Your Approval Odds Before You Apply
Sign up for a free membership, and Credit Karma can estimate your chances of approval based on your credit profile. You’ll also get:
- Credit scores and reports
- Credit monitoring
- Personalized recommendations
See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.
† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.
‡ Average score refers to the arithmetic mean and typical low score to the 5th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2014 through November 2014. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.
The ratings and reviews are brought to you by our users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.