The reviews on here have been helpful. I feel like this card is used to build credit and not to carry a balance which is what a lot of other people are saying. Luckily they offered me no annual or service fees other than a late fee as part of the deal. I carry barclay, discover, capitalone currently to build my credit and they have all been fine to deal with so far since I only login online to pay off my balance each month.
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