Got the card for closing on my home as per my financial adviser I had the card for 5 months never increased my credit score I got a notification there was fraud charge so I contacted them and said close the account...never heard another word from them a few months later my wife checked her score and it was well over 700 so I said well alright and went and checked mine and it was below 500...I was extremely shocked so I looked and saw they hit my credit for 40 points for the last 4 months I called them and asked what was going on they said I owed over 300 and it was a secure card for 200...I said it was cancelled 4 months ago when they frauded my account and they said there was late fees and thats where I'm at now fighting with them...ill never get my score back