Credit Score:
576
Credit Limit:
500
Age:
35-44
Posted 04/19 2017
I was approved but was asked to put a $150 deposit for a $500 limit. I decided to accept it and made the deposit. One thing to be aware of is that it took about 10 days for that deposit to clear. My payments also took about 7 days to clear. So my best advice is just to use 10% to 20% of you limit (for credit utilization purposes) so that you can still use the card while the payment is on hold.
Credit Score:
512
Credit Limit:
500
Age:
35-44
Posted 04/06 2017
I wrecked my credit when I was young and just recently through a job loss. I have been rejected by a couple of secured cards like US Bank and even Citi. I also got turned down by Credit One. I took a chance when I got this offer in the mail and was approved.
The fees are high but I guess that there is a price for rebuilding. The only complaint I have is that they put your payments on hold for 7 days.
Credit Score:
543
Credit Limit:
500
Age:
25-34
Posted 03/27 2017
Ruined my credit because of bad choices I had made and a lot of it was due to ignorance on my part. I have the opensky secured card at the moment (it is a good card) and I am now looking for an unsecured card rather than another secured one.
I got the pre-approved offer in the mail and I applied and got approved. I had to deposit $150 though to get the $500 limit. I decided not to proceed since I am looking for an unsecured card.
Credit Score:
564
Credit Limit:
500
Age:
35-44
Posted 03/17 2017
I got the offer in the mail and decided to bite the bullet. The fees are high but I am willing to pay the price to rebuild. I think the plan is to charge just about $30 to $50 a month on the card and pay it off in full. And then cancel before the year and annual fees are up.
Credit Score:
613
Credit Limit:
500
Age:
25-34
Posted 03/11 2017
I would say that I am currently in the second phase of my rebuilding. I already have 2 secured cards and am now looking to step up to getting an unsecured card. I have been rejected by credit one and first premier. So I decided to get this card even though the fees are high compared to credit one. I got approved for $500. The high APR does not bother me since I pay my bills in full every month.
Credit Score:
653
Credit Limit:
500
Age:
35-44
Posted 02/16 2017
Got 2 pre-approved mails, one from fit and the other from reflex. When I looked in greater detail, I realized they are from the same issuer. I have been denied by a few other cards so I applied just for the fit and got approved for $500. The fees are high but I guess I have to live with that for a while as a rebuilder.
Credit Score:
510
Credit Limit:
500
Age:
25-34
Income On Application:
$55000
Posted 01/27 2017
Got the offer in the mail and decided to apply. I got approved but had to deposit $150 to get the $500 limit.
Credit Score:
637
Credit Limit:
500
Age:
18-24
Posted 01/16 2017
I got the pre-approved mail and applied. These are the terms I got.
Annual fee: $125 for the first year, then $96.
Monthly Fee: None for the first year, then $10 a month which makes it $120 a year.
Limit I got was $500.
Aside from this card, I also got a Credit One card with a $75 annual fee.
Credit Score:
540
Credit Limit:
500
Age:
25-34
Posted 01/13 2017
I got this card offer in the mail along with another card called reflex. It looks like it is from the same folks because the fees are the same. My credit is in the dumps now after a divorce. So I took the plunge and applied. I was approved but it was not instant or immediate. I had to make call them to verify address, utility bill etc. I was approved for $500 but had to put a $150 deposit.
I plan to use this for less than a year and then cancel the card. Hopefully, I would be able to get a lower fee card then.
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