Ok so first off, it's actually a CITI card in disguise. I saw someone else say the available credit was tiny but even with marginal at best credit at the time, i was given a limit of $2000 and i'm pretty sure 10% off of my purchase or some such. It automatically gives you six months same as cash when you buy over a certain dollar amount but this doesn't mean you don't have a monthly payment in the mean time. It just means there is no interest. There also is no annual fee and it's possible to use the card in store without the actual card as long as you have ID. They aren't messing around though: A credit increase check is a hard check but those really don't affect your score that much anyway. The biggest affect is avaiable credit and percentage of credit and this card raised my score 75 points getting it.
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Was approved for $750 CL and 24.99% APR. Promotional offer said 10% off first purchase, which I did not receive. They wanted me to jump through hoops in the store to get the 10% off, so I let it go. Will pay off $400 balance and use rarely. Read some pretty crappy reviews.
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