Stay away at all cost. Never received 1 credit line increase in two years. I could request one and get and inquiry though. Paid bill on the 7th in full on after being charged and anual fee of 100 which over the limit my account by 100. Paid the 600 plus 5 monthly fee and after 7 days the account still show credit available of -105. No available credit but I am use to that. Even though the bill is due every 30days you will only be able to use your available credit for 20 of the days since they hold payments for 10days. It dont matter if you have never been late, bounce a payment or have been with them 2 years. You can do better. Find a different super subprime bank. I cancelled it today.
