Should I take this offer or leave it?

[ezdriver]

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@Elexismc wrote:

Thank you! That's how I felt too, but I have heard so many horror stories about them-although since I don't plan on carrying a balance, how bad can it actually be, right?

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What horro stories? Whoch of those stories apply to you? Credit cards should not be used as a financing tool ... period. If you have to use a credit card as a financing tool, then you are not ready for credit ... in my opinion. Who cares what the rates are is the bill will be paid each month?

[Elexismc]

They just did it...I paid the bill and kept checking to see when the payment had cleared and was reflected in my available credit(they usually take a few days to make it available even though the payment posts pretty quickly) and I noticed I had $400 available instead of $300!

[Elexismc]

Well the more I read the more I realized that the "horror" stories came from people who more or less were not responsible with the card or simply didn't understand what they were getting into when applying for a rebuilding card...I have zero complaints an as long as I continue to stay responsible I think the card will work for me just fine

[0REDSOX7]

Same with me and Credit One.

I knew what I was getting into... What the fees were and the way interest was charged...

They helped me with my rebuild by giving me a card when no one else would and the rewards have already paid off with my score and my rebuild...

[Elexismc]

I couldn't agree more! I am very thankful for getting a second chance!

[todobetter]

One month after discharge both my husband and I got 400.00,  trying to work the plan on here so we charged 7.00 let it bill  and paid it. We  received a notice they gave us a 200.00 credit increase. I was shocked.

[Elexismc]

I'm hoping it grows with me a bit over time...I know I shouldn't expect anything overnight, but I am definitely going to do everything I can to make that happen!