|Signup Bonus||New applicants are able to customize the appearance of their card.|
|Annual Fee||$75 the first year and $99 every year thereafter.|
|Cardmember Agreement||View Here|
|Cash Advance APR||29.9% APR|
|Cash Advance Fee||$0 during the first year; after the first year, either $5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100).|
|Late Payment Fee||Late payment fees can be up to $38.|
|Purchases APR||23.9% APR|
As long as you pay your statement balance each month, it's not a bad card to have handy. It's interest rates are a little high but coincides with your credit report.
The wait for customer service is ridiculous! The card never work unless I'm at a gas station. It didn't even work in a local Walmart! Pay it off and I'm done. Thanks for the opportunity to raise my credit score but I'll stick with the Visa.
I have had the card for about 6 months now. I knew the initial fee and the annual fee and the interest rate and agreed to all. The sums are high, but then this is a card for establishing or increasing your credit score. It is not really designed for everyday use although I am sure they love to see it.
I have had no problems. I have not needed to contact CS so I cannot comment on that but I have not had any surprises and have paid my bills on-time while carrying about an 80% balance to my $350 limit. They have reported promptly to the credit bureaus.
I think for my above stated purpose, this card is fine. Within a couple of more months, my credit score should be up enough to get a real card and dump this one, but I have been glad to have it.
Haven't had the card long get back to you in about 6mos
This subprime card is garbage. Annual fee, etc is a joke. You only get this card if you have no options. CS people are actually ignorant.. Stay away...