I have had this card for 14 years; it was one of the first cards I got when I turned 18. I pay my bill in full every time I make a purchase, though when I was younger and still learning about credit, I didn't always do that. Credit cards are credit cards and there are penalties for not paying on time. I think this is a great card with great perks. I love the acces online and I love that I can request a CL increase on my online account as well. I don't even remember what my credit limit started at, but at one time it was lowered. It is now at $5K. I don't know what I would even need to spend that much money there, but it's nice for total debt-available credit ratio. The interest rate isn't low, but no retail cards are.
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Most Helpful Negative Review
I've tried to pay my card off 2 times ($50 each time) and it took out the money from my bank account. I then checked my angel card balance to see if everything was okay, and it says that they "returned" my money, as the payment didn't go through supposedly. They charged me $30 for each balance return fee. ($60!!!) and it wasn't even my fault! Now I owe $160 and they didn't even return the money to my bank account. A bunch of frauds!!!! DO NOT GET THIS CARD.
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