Their credit card is more for people with no credit, but they approve just about anyone with bad credit too. I had their credit card back in 200.. something I used the card for many years, it was expensive but I had no complaints until I missed a payment one month.I paid the card off in full and then I went traveling abroad. I forgot that they were charging me month to month yearly. Well, I didn't pay the 1st month and I didn't realize it until I looked at my credit report.... I check it nearly daily and it was 32 days late from the only charge was the monthly balance I called them up immediately and rectified my oversight. So now on the 45th day they refuse to remove the late charge from my credit reports,
Pathetic business practices.