usa credit is one of those companies that tries to get you credit when you have none. Do a search online for usa credit and you will come up with dozens of people who say they paid $149.95 and they lost that money to usa credit when they gave them their bank information. Then again, credit cards are never really free and I do understand that. AMEX cards cost money, the problem is this particular credit card does not have a VC or MC symbol on it. You are probably better off with prepaid credit cards if you need that type of card. If you are trying to establish credit this probably isn't the best route to do that.

Will agree with other reviews that there are better ways to improve your credit besides buying a prepaid credit card like this which is expensive and I couldn't find anyone to even accept it.