This credit card is a scam. I received it in the mail saying I was pre-approved for $1,500. DO NOT fall for this. I read the small print. It has a 25.15% interest rate plus a $75 Annual fee for the first year then it goes up to $99 year. Than it has penalty fees of $35-$38. Your minimum credit line is $300. But wait, then they take out the $75 leaving you a credit line of $225. This card will not help you. Read the small print before you sign up with any card company. If you receive this card in the mail, don't just throw it away, cut it up. People can still open the account in your name. Be cautious about your credit.