I had read reviews about what a great card this is for rebuilding credit, how the fees/interest are reasonable (considering the kind of card it is), customer service is great, and how you get generous credit lines with increases, so I decided to apply. I got a card with a $500 limit and an $89 annual fee, but for having a credit card around and rebuilding credit it was worth it.
As time went on, things improved, both with my credit and with this card. Eventually, I ended up with a $1300 limit and a $59 annual fee.
While I'm sure there's a point that the credit limit increases will stop, it really hasn't just slowed down (last one was $100 increase about 6 months ago) and I'm quite impressed with that.
Their customer service is the best I have seen in this card category. They always treat you with respect and like a "prime customer" not like some "bad credit" credit cards that treat you like you are a delinquent they are collecting a bad debt from.
The most impressive customer service move occurred about a year ago. For two billing cycles in a row, I was about $10 over my credit limit inadvertently. For the third billing cycle, they actually raised my credit limit by $15 so I wouldn't be over! I couldn't consider it (this is not to say that they volition let unremitting "overlimits" chute; a champion of mine who besides has this carte and has been overlimit oftentimes has told me they can be warm to care you the $29 fee, in one vitrine just * one day * aft he went terminated his boundary (and by less than 5% at that!).
And their Web Site reflects this as good. There is no fee to pee a web requital, and you can piddle it up to 30 years in approach (or as lilliputian as 3 years in feeler). Unlike about cards, my defrayment is interpreted out of my camber at MIDNIGHT on the day I say and is reflected in my useable cite the following day.
So if you are grave almost rebuilding your acknowledgment or motivation a goodness "freshman plug-in", this is the one to use! In fact, fifty-fifty with around amend add-in deals now that my citation has improved I am lull safekeeping this one.
