If you have no credit, it'd be a no-brainer to latch onto something like this. Even if it doesn't generate the full complement of scores, it's still a positive account with a payment history that lenders can view when they pull your report. One could be positioned for a half decent unsecured major card as his first account.
Just about everyone else should probably skip this. It's going to unnecessarily drag down AoYA and AAoA. An exception might be rebuilders who feel that the additional positive account might help them with the process.
