I'm still new with this service, but so far I've been highly impressed and completely satisfied with everything. I started with a low limit of $150 (which is fine as I'm rebuilding), and there was no hard inquiry on my score. One feature I truly appreciate is that when I make a payment towards my balance with a debit card, the amount I paid is instantly available to spend again. I've recommended this to many people and I'm excited to see my score and credit limit increase over time. This is one of those options I'll keep even after I've rebuilt my credit and qualify for one of the larger banks. I see no reason not to keep this card. The annual membership fee seems fair; they are offering people a second chance and a way to genuinely build a positive credit score and history.
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