Credit Score:
639
Credit Limit:
0
Age:
45-54
Posted 08/28 2018
MY CREDIT SCORE WAS A 639 I RECIEVED A PRE APPROVED OFFER OF $700 AND I WAS APPROVED I AM SUPER EXCITED THE INTEREST IS VERY HIGH THOUGH WHEN IT COMES TO YOUR CREDIT YOU DO WHAT YOU HAVE TO DO
Credit Score:
523
Credit Limit:
300
Age:
25-34
Posted 04/06 2018
Got a premier bank card secured credit card with a $300 limit. Always paid on time but their customer service and website sucks. We cancelled this card a few days ago and they informed us that they will not return the $300 to us because it is a regular credit card. In other words, they screwed me out of $300 by converting the card without my permission or knowledge. I would avoid this card company like the plague. They WILL screw you too.
Credit Score:
536
Credit Limit:
300
Age:
25-34
Posted 03/15 2016
541 536
Credit Score:
550
Credit Limit:
300
Age:
45-54
Approved
No after Bankruptcy
Posted 11/10 2015
Money,back
Credit Score:
0
Credit Limit:
548
Age:
25-34
Posted 10/18 2015
NOT APPROVED I Don't Know Why.
Credit Score:
0
Credit Limit:
0
Age:
18-24
Posted 04/01 2014
test
Credit Score:
648
Credit Limit:
300
Age:
18-24
Posted 01/11 2014
After getting approved, I can only say that if you apply for this, you will get accepted. Just beware of the fees.
Credit Score:
538
Credit Limit:
300
Age:
25-34
Approved
1 Year after Bankruptcy
Posted 01/11 2014
Got this card 1 year after BK cos I wanted unsecured not just secured. Good rebuilder.
Credit Score:
614
Credit Limit:
300
Age:
25-34
Posted 01/11 2014
Get this card if you want to rebuild.
Credit Score:
638
Credit Limit:
500
Age:
18-24
Posted 01/11 2014
This appears to be an easy card to get because I was rejected for a few store cards. Fees are high, but what do you do? Those of us with bad credit just have to suck it up.
Credit Score:
581
Credit Limit:
500
Age:
25-34
Posted 01/11 2014
I charge only $20 a month on the card. Pay it off in full. Can see my scores already getting better. Fees are high though.
Credit Score:
525
Credit Limit:
300
Age:
45-54
Posted 01/10 2014
This card is definitely for rebuilding your credit. Issuer is taking a risk on folks like us by charging for lots of things. Firstly, the interest rate is high (so always PIF and on time to avoid those charges). The late fee is quite high as well. On top of that, they charge you a monthly fee and an annual fee (that is something you cannot avoid). Once my credit improves to an acceptable level, I'll be giving some no fee cards a shot.
Credit Score:
562
Credit Limit:
500
Age:
18-24
Posted 01/10 2014
Wrecked by credit in college and started looking for a card to rebuild. After reading lots of reviews on Orchard, Credit One etc, I decided to take a shot at this plus another secured card. I minimize fees by paying twice a month and never being late. Have never encountered any issues with CSR so far.
Credit Score:
583
Credit Limit:
700
Age:
25-34
Posted 01/10 2014
I was quite surprised by the CL I got ($700). What can I say? Every sub prime I looked at had high fees. I knew I had to get a couple to rebuild. Like many others, I got a secured (lower annual fee) and an unsecured (this one) to have more lines in CR. Keep my fingers crossed that my score shoots up to high 600s soon (as in a year or two?).
Credit Score:
574
Credit Limit:
300
Age:
25-34
Posted 01/10 2014
This card is at the bottom of the pile. Guess you are a hostage when you have bad credit. My Cap One started with a $300 and is now $1k. Still stuck at $300 for this card. It will be the first to go once I get the Cap One Quicksilver or Barclays Rewards.
Credit Score:
569
Credit Limit:
300
Age:
18-24
Posted 01/10 2014
Destroyed my credit as I did not understand what I was doing and am now going through the painful steps of getting my score back up. Got a tiny CL and once the fees are paid, I was stuck with hardly any lines at all before I paid up all the upfront fees. I just charge about $30 or so a month and PIF. My score has increased by about 50 points within 7 months so it looks like I'm on the right track.
Credit Score:
582
Credit Limit:
500
Age:
25-34
Posted 01/10 2014
Quite surprised I even got an unsecured card with my score (which went though hell). Got another secured card from a credit union as well. With all the fees, this will be the first to go when score improves.
Credit Score:
597
Credit Limit:
700
Age:
45-54
Posted 01/10 2014
So my credit crapped out after a business failure. This card was easy to get. Hate the fees but what could I do. I was actually quite surprised at the credit limit. The plan is to rebuild and get back to normal mainstream cards.
Credit Score:
523
Credit Limit:
300
Age:
18-24
Posted 01/10 2014
After using this card for about 8 months, my credit has improved slightly and I see it reporting. But I may have utilized my limit too much since I read others improving their credit by even 100 points within a year.
Credit Score:
514
Credit Limit:
300
Age:
25-34
Approved
8 Months after Bankruptcy
Posted 01/10 2014
Have been out of BK for 8 months and got approved for this card. Guess they approve you so easily because they charge you a ton of fees.
Credit Score:
634
Credit Limit:
700
Age:
35-44
Posted 01/10 2014
Got a $700 CL. Also have the Credit One and Cap One Secured.
Credit Score:
547
Credit Limit:
300
Age:
25-34
Posted 01/10 2014
Got this card and a Credit One. After 5 months, I decided I could not pay the fees for both and chose to cancel this one.
Credit Score:
496
Credit Limit:
300
Age:
35-44
Posted 01/10 2014
Thought I could only get a secured card but got approved. Low limits but you take what you could.
Credit Score:
656
Credit Limit:
700
Age:
18-24
Posted 01/10 2014
So I did not get any card in college. When I graduated, I applied for Citi and Chase but was declined because of insufficient credit. Through some research, I decided to give this a shot and got it. After 6 months, saw a pre-approved card from Cap One and Barclays in the mail. Got those and canceled this one.
Credit Score:
591
Credit Limit:
500
Age:
25-34
Posted 01/10 2014
Had this card ages ago when my CR was in the dumps. I also had the Orchard Bank back then. When I compared the two, Orchard had the lower fees. I am done with both of these cards now and have the Barclays Rewards MasterCard (which now provides me with a TransUnion FICO score).
Credit Score:
566
Credit Limit:
300
Age:
25-34
Posted 01/10 2014
Got this together with the Credit One. After 8 months, I was mailed another promotion for another FP! Why should I given the fees. I am on a long road back from destroying my score and hopefully one day, I'll be able to get a regular card without all these monthly fees and non-mafia type rates.
Credit Score:
617
Credit Limit:
500
Age:
35-44
Posted 01/10 2014
If you do not PIF, there will be hardly any credit limits left after you are charged the annual and monthly fee. Was surprised I got the $500 limit though.
Credit Score:
654
Credit Limit:
700
Age:
18-24
Posted 01/10 2014
Did not really have a credit history when I applied for this card. Got declined by Discover and Citi for not having enough credit. Got approved for this and 6 months later, got a Barclays. I obviously canceled FP.
Credit Score:
541
Credit Limit:
300
Age:
25-34
Posted 01/10 2014
Got approved with a 500+ TU score. Low limit (which I expected). Fees are ridiculous and so are the rates. Pay in full and you should be fine. Can't wait for my score to reach high 600s so I can get rid of this.
Credit Score:
519
Credit Limit:
300
Age:
25-34
Posted 01/10 2014
It's been 2 years since I got the card. At that time, EQ score was 519. It is now 630. Am going to try for the Barclays Rewards and if I get approved, I'll cancel this fee and say goodbye to the fees.
Credit Score:
498
Credit Limit:
300
Age:
25-34
Posted 01/10 2014
Got this card with a $300 CL. Also got a Cap One secured at the same time. After living with both for about 6 months, I regret getting this card. Should have just stuck with the Cap One instead. The fees simply kill you.
Credit Score:
548
Credit Limit:
300
Age:
25-34
Posted 01/09 2014
Credit was trashed after my divorce. Got a Orchard Bank and also this card. Paid lots of fees when I had both of them although FP was much higher. The interest rate is ridiculous so the trick is to PIF every month and do so early. When my scores improved to mid 600s, I applied and got approved for the Barclays Rewards MasterCard. Orchard has been canceled. This one will be soon.
Credit Score:
590
Credit Limit:
300
Age:
35-44
Approved
1.5 Years after Bankruptcy
Posted 01/09 2014
Credit got whacked in C7 BK. Got a couple of cards to try to rebuild. The Cap One secured was one of them. This was the other one. Didn't like the annual fee and monthly maintenance fees. But what I did was to use only up to 20% of the lines given and pay it off immediately. I cannot stress that enough. After about a year, my score improved by almost 100 points. So, as far as fees and rates go, this card sucks. But it sure helped me rebuild my credit.
Credit Score:
608
Credit Limit:
300
Age:
35-44
Posted 01/09 2014
Like many here, I have to concur that while the fees are high, we all have to start somewhere (ie for those of us who have taken a hit in their credit). For me, I just charge $15 or so and pay it off every month. Really looking forward to the day when I can get a no annual fee card.
Credit Score:
510
Credit Limit:
300
Age:
45-54
Posted 01/09 2014
This card sucks. It was "easy" to get. Saying this tongue in cheek because my score was about 500. Paid the up front fee ($95 I think). The came the annual fee before I even used the card. CSR sucks. Can't wait for my score to improve and get approved for a proper card.
Credit Score:
630
Credit Limit:
700
Age:
25-34
Posted 01/09 2014
Quite surprised with the limit I got when others I read were getting $300. Still, the fees are so high. It's like paying for an Amex charge card but with no limit! Really looking forward to the day when I get a better card. In the meantime, it's charge a little and PIF.
Credit Score:
609
Credit Limit:
500
Age:
25-34
Posted 01/09 2014
Got a $500 CL. Before you know it, only about $300 was left after the fees were deducted before I even used the card. But this is just a baby step for me to rebuild my credit.
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