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  • After being approved, I was mailed the card. Minimum limit, although I have other cards. Initially, I thought it was a Capital One invitation. Had I realized it was not, I would have further researched this company and passed. I did not receive a statement. Called the number and was told I would be charged an additional $9.95 to make payment. I did not approve that. I would wait and mail a check...they were going to cut the PAYMENT FEE in half...again, NO thank you. They waived the fee. Then the rep insisted, said we were GOING TO UP my payment by $25.00. Um, NO. I'm making more than your minimum, I've NEVER been harassed by any company to UP my payment amount...the first rep then handed me off to a Customer Service Specialist...WHY? I don't know....AFTER another few minutes, he passed me off to Customer Service Rep THREE, who ONCE AGAIN, tried to INSIST I UP my payment. I have been on the phone and wasted more than 25 minutes just to make a simple payment. No thanks. There are PLENTY OF GOOD companies that will assist you in rebuilding your credit, Victorias Secret is one, and they are great to deal with. They offered me my first card following my divorce...! And it looks pretty good on me, I would say give it a go! In my personal opion, I would say... Think twice about this company. If you can afford all their FEES, put your money away and get a prepaid credit card from your bank. It's YOUR money AND you can rebuild your credit, with NO OUTRAGEOUS FEES!! Their fees are VERY HIGH...there are other cards with more moderate fees, better customer service and reputation. Customer service is contracted in India, ( not a bad thing, but come on, if your an American Company. Outsourcing customer service is pretty low. Even DirecTV discontinued outsourcing after years of problems and complaints. Reps are hard to understand, and that's just a fact, not an opinion. I'm not calling this out as a bias, I had to ask a few times to have something repeated. There was never once in MY conversation a "thank you, excuse me, or how can I help you...?" that goes a long way with ME. Unpleasant to deal with, and take A LOT of your time...(how much are YOU WORTH an hour), and a hard sell to increase your payment... For me, NO THANKS. I will not use this card any longer. Thanks, but no thanks. - Feb 09, 2014
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