I have had them for several months now. I have never gone over, paid late, etc… I usually pay my bill a few days ahead of the due date or twice a month and pay it off. The app is simple, but does allow you to pay your bill… nothing fancy there. I had to do a bk after my ID was stolen by my brother. They had a blast… including a second mortgage they took on my house while living with me. Love em, right? So when I did my BK to get rid of all the cells phones, credit cards, cars they bought (seriously who buys three cars in two months?) I was amazed they gave me an unsecured line before capital one did. They also give me raises where cap one still has me at 500 and that is with HIGH usage and compete pay off every two weeks. I imagine one day I will close the account, but truthfully, even with the 79 AF… I have 6 tea cup Chihuahuas so I am keeping this back with the large credit line incase something happens instead of buying health insurance for each pup and I just use my rewards cards more now than this one. Truthfully, if they had a rewards card I would use it. They do give 1% on gas, but that is it. I have had no issue with customer service. Actually had worse customer service when I got my discover card and had a fraudulent charge on it. So, I think it really depends on how you need them. I understand from others that they will NEVER lower my APR… so I don’t use it often. They will, sometimes, waive your fee. But again, 79 bucks is cheaper than doggie insurance so I am keeping them.
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