Anonymous A.

This is a good card to have starting out. People that do not have good credit need something like this because they cannot get anything else. I've not been with them for long but in the short time I've been with them, my credit has raised on all 3 reports by 70 points. This is only within a month's time. So, the great news is that it does raise your credit, and in a very short time. I love that you can make your payments online and view everything online or through the app. The only thing that I don't like about the card is that once you make your payment, it takes up to 5 business days to renew your credit limit. I mean, your payment has posted and been taken out of your account but they still wait 5 days to renew your limit. Literally, the last two payments I've made has taken them the entire 5 business days to renew it and I thought it was going to be longer than that. Currently, I made my payment on Friday and it's now Thursday. My limit has still not been renewed. So, it's a great card to build credit and I can't complain about the annual fee or the interest because those don't bother me. I use the card responsibly and don't do cash advances. I just hate that they don't automatically renew your limit after they've taken your money.