Credit Score:
597
Credit Limit:
700
Age:
35-44
Posted 03/24 2022
No problems so far. Just has a high annual fee
Credit Score:
610
Credit Limit:
300
Age:
25-34
Income On Application:
$45000
Posted 12/05 2019
This card is ok. They did approved me when I got rejected by Credit One. But I still cannot believe they do not have an app. I also called CSR for a credit line increase and was told that they will never give you a CLI.
Credit Score:
555
Credit Limit:
300
Age:
35-44
Posted 05/13 2017
This was my second rebuilder after getting a fingerhut account. I was approved for both of these cards despite being denied by credit one, capital one and even first premier. I had an ok experience with this card. There were a couple of things that bugged me but they were not deal killers. The first is that I did experience payment holds for 7 days. Their website is truly old fashion and outdated. They also do not increase your credit limit. But you are getting this card simply to rebuild your credit and in that aspect, it does it's job. It reported to my reports immediately after the first bill was sent to me (which included the annual fee).
Credit Score:
536
Credit Limit:
300
Age:
35-44
Posted 03/13 2017
As a rebuilder, I would say that this card is "ok". There are worse cards out there that charge you an arm and a leg on fee. For this card, I had a $75 AF, but did not have to pay any monthly fees or processing fees. But they do increase your credit limits and they also do not have a mobile app.
Credit Score:
582
Credit Limit:
300
Age:
25-34
Posted 02/24 2017
The good thing about this card for me was that I was approved and my AF was quite ok ($75). They also do report to all 3 credit agencies and my scores have gone up by using this card. Like many have mentioned here, just charge a bit every month to the card and pay it off in full. Also, like others mentioned, they do not increase your credit limit and their website is so 1990s!
This card will help rebuilders. It will be useful up to a certain point.
Credit Score:
576
Credit Limit:
300
Age:
35-44
Posted 11/14 2016
For rebuilders, I would say that this card does it's job of helping you get a line, reports to bureaus and helps you with your score. Mine certainly increased after getting this card and using it. The annual fee seems ok compared to other cards that also charge monthly processing fee etc.
But your credit line never increases. After getting this card, I managed to get my hands on fingerhut and credit one and eventually a capital one card. I started with $250 on fingerhut and it is now at $700. Started with $300 on credit one and now my limit is $700. Started with $300 on capital one and now my limit is $1500.
I have since canceled my milestone card. It did serve it's purpose and the fees weren't too bad. But just use this as a stepping stone to cards that give you CLI.
Credit Score:
632
Credit Limit:
300
Age:
25-34
Posted 10/08 2016
I got this card when my score was about 631. AF was $59, got 23% APR and limit of 300. After I was approved, my card took about 5 weeks to arrive. Once I activated it, they sent me a bill with the $59 AF and I had 2 weeks to pay. Here is my experience with this card.
Pros
1. After I got my card, it started reporting and my scores went up 30 points in all 3 bureaus.
2. AF was not too bad.
Cons
1. I got payment hold for about 1 week.
2. Website is not that great.
3. they do not give credit line increases.
I guess it was worth bumping my scores up 30 points and more after I used it. But once I got a couple of capital one cards, I closed it.
Credit Score:
603
Credit Limit:
300
Age:
25-34
Posted 07/09 2016
I have a relatively good experience with this card except for the fact that when I pay in full, my payment gets put on hold for about a week. Fortunately for me, I only spending $30 a month on the card since for me, this card is solely to rebuild my credit. So even if there is a payment hold, I still have enough credit line. Do not max out on this card.
Credit Score:
627
Credit Limit:
300
Age:
35-44
Posted 01/27 2016
I have this card. My annual fee is $59, rate is 23.9% I think and the initial limit was $300. When the first bill came, they charge the annual fee and I PIF. I seldom use it, maybe $20 each month. I plan to have it for a couple of years to rebuild and then close it when I can get better cards.
Credit Score:
516
Credit Limit:
300
Age:
35-44
Posted 08/26 2015
So my credit was really bad and they approved me. My annual fee was $99 and the credit limit was $300. It's been close to 2 years and like others said here, they do not increase your credit limit. Their website is really outdated and 90s looking and they have no app!
Having said all that, my score went up over 50 points just from charging $50 a month and paying it off in full. So it has served it's purpose. And since I have just gotten a capital one unsecured card and barclaycard, I will be saying goodbye soon.
Credit Score:
548
Credit Limit:
300
Age:
35-44
Posted 05/23 2015
This was one of the easiest cards to get. But after a year, I realize that they have not increased my limit. I checked online and called them and was told they do not increase credit limits. I also have a Credit One card and was given an increase after only 6 months.
Requirements 
Requirements 
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