| Rewards | N/A |
|---|---|
| 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...
