James B.

Even if you're at your worst coming off bankruptcy or whatever your financial situation is, please never use this institution even if it is to get your credit going it is the worst possible option for you. I had two of their credit cards for over three years and on top of the annual fee, way too high interest rate. They also have so many hidden fees that you just are aware of I kept both my cards completely paid off and was still charged multiple times for ridiculous fees on top of this. I felt threatened multiple times after just trying to close my cards. Mind, you totally paid off, spoke down to, and at one point I was actually told they were doing me a favor. Imagine being charged monthly even after your card is paid off with no explanation of whatever the fee is other than it's $12 a month. This is a horrible business. The customer service is awful. Please do yourself a favor and don't make the mistake of doing business with this company. Even after I closed my account they still continue to charge me $12 a month even though my credit is at zero and was totally paid off and account closed. The worst was how I was treated by customer service. I truly believe I was threatened multiple times as I was told that this was going to expedite to the credit bureaus to intentionally lower my credit score. I was offered on both cards a $45 bonus to take care of those fees for a couple months which seems to be their tactic on top of the fact that multiple times my card was used without fraudulent purposes on my end, the money was eventually replaced. However, this company is meant to scam you, I understand we're at a point in this world where everybody needs to make money, however, do not get took an advantage by this company