For those that need a secured card, that actually does look like a good option.
I have an FNBO account and I do like them as a bank. However, the points are not so great. The balance transfer options are good though I don't use them personally, but my niece does. (I loaned her a card for a while and he balance is getting paid off little by little this way with less interest!)
It is by will alone I set my mind in motion.....
Always follow these rules: Only take a HP for a new account. Always use the best rewards card for that reward category. Don't close a card unless you know you really should. Never use more than 35% of a credit limit. Recon as much and as best you can. Use the introductory period to the best advantage. Get the signup bonus. Whenever possible PIF or balance transfer so you pay less in interest. Never give an excellent rating when it is actually the norm. Always look for a discount as more is always better.
Always accept candy from strangers because they have the best candy or from people you know have good candy.
