Michelle N.

The card was easy to get and pay for. You can use a debit card to OPEN the account and it's true you don't have to have a traditional bank account to be approved. HOWEVER, you DO have to have a traditional bank account to PAY your bill. It does not accept any debit card unless it's associated with a traditional account and does not accept payments from online banks such as Chime. Leaving many people with the only option of mailing in payments. They also take up to a week to post your payment so if your due date is say, the 11th, you need to mail out the payment by the first of the month to be sure to make the due date.
They also run a month behind in credit reporting.
On the upside they seem to have upgraded their customer service and I was able to get a live operator by pushing 0 at the end of the recorded message. I still don't know why the 800 number is associated with a debt collection company on Google but it is what it is.
Overall it's an ok service. Could be great if they accepted any kind of payment method but they don't. So if you get the card just be aware that the method you used to open the account may not be accepted when you pay your bill on the account. Which is why I will be closing it.