Got this card right after my bankruptcy was finalized and it has served its purpose for helping me rebuild. I only use it once a month and pay the balance without any issues. The one issue I don't like, is that it takes 5-7 business days for them to credit the payments you make on the account. It is a very antiquated process, but probably saves them money in some way. I will keep this for emergency purchases only, but will keep it at a zero balance.

I got a statement today for my annual fee and no card yet so let’s see if it comes tommorrow. That is what kept it from getting 5 stars. But the customer service was nice and easy to get a hold of. If u want to avoid fees, pay the balance off each month and u won’t see a dime of interest. And avoid cash advances. If I’m
Not mistaken you can you *speedpay with your debit card and that will free up your account and funds faster. That’s what I was told. And yes there are phone numbers and live agents.

Accepted this card to bump up my total available credit. Original interest rate has dropped and I keep the balance at $0 (remember you don't need to carry a balance to build credit). Pay on time every time and score jumps. It won't happen overnight. Be patient and credit will improve. Cheers!