decent card, they will approve when nobody else will.
I have had this card for a couple years, started with $200. You can increase your credit limit with a deposit at anytime, currently i’m at $2000.
Over the first year and a half I would say their customer service was the worst. They always seemed a little angry that they had to answer the phone.
but recently that seems to have changed and they are at least professional and polite.
As promised they will report to all 3 credit bureaus every month. It seems to be right around your payment due date. So as long as you’re paying your balance every month it will help you. If you max out the card and make minimum payments it will most likely hurt your credit score.
They used to take 5 full business days after receiving a payment to credit your account. Recently that has changed to 24 hours, which is a welcome change.
The website is slow and the UI like a website from the 90’s. It looks sketchy, if it was a store front I probably wouldn’t feel comfortable entering payment info. Yeah, it looks that sketchy. But it’s not… and they claim a new online experience is coming on 10/10/17.
If there is any fraud on your account they are not the most helpful and require a written statement signed and mailed back to them within 10 days to even start investigating. But if you fill out the form and return it on time, they will investigate and quickly refund your money. You will still be expected to make at least the minimum payment however.
They just this month gave me a $100 increase of UNSECURED credit. ooooooh. I might take the money and run. lol.
At the end of the day, this card could be your only hope at rebuilding your credit so they are dealing with the bottom of the barrel. Therefore they are strict with their policies but also keep their promises.
so it’s a decent card for anyone that can’t otherwise get one.