I don't think anyone understands the point of this card. Nor do they read about it before they get it. It is for rebuilding credit, it is not American Express. They tell you right off the bat you are getting charged $75.... yet every person on here claims the fees are hidden. THEY ARE NOT HIDDEN FEES. If you don't like it then don't sign up for it. The card is fine, I gave 4 stars instead of 5 because the customer service is a little slow, but it's probably because they deal with jag offs all day who didn't read about the card and want to know why they are being charged. So don't listen to all these people who chose to get a credit card without knowing anything about it.