I have had this card for 4 months and have seen an improvement in my score. My transunion was a 487 and Equifax 550 when I applied. I agree the application process takes a long time but what do you expect people its a SECURED card. Here is my take. The website is not the best pretty low budget and basic in my opinion. Customer service has been awesome so far whenever I have called. I recommend downloading the app and also setting up online reoccurring payments to insure timely payments. Monitor the account this is a SECOND chance card so treat it accordingly. There are no tricks an scams be responsible for your actions. I started with a deposit amount of 500 my payments have been on time I don’t overspend and make more than my minimum payment. I use Credit Karma and credit sesame to check my scores. My current credit is transunion 543 Equifax 655. Its not rocket science the weigh the benefits. Yes you are using your own money to rebuild your credit. I think the card Is good it does its job if you do yours. ok done ranting carry on
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