i have a pretty low credit score. ive applied before and was denied. the lady asked me "would like to try" i said "okay one last time" boom approved for $300 i about fell to the floor. apparently in the past i was denied they were with citi bank. now they are with CapitalOne and many more people are being approved. for ME to get approved you shopuld definetly check.
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Before they changed to Commenity Bank they had the AUTO PAY option, so I didn't have to worry about having to make payments.. I was late 1 month by $8.00 not realizing it.. After I finally realized I was late, I paid the balance to find out my credit score went down 70 POINTS!!!!! Mind you I've had the card for over 4 years with perfect paying record, and they NEVER increased my credit limit... Will not be using this card again..
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