I feel it's crucial to share my experience after applying for a credit card to help build my credit as a student. I was initially approved for a $500 limit with a high interest rate of 28%. I intended to use this card responsibly to pay certain bills on time each month to improve my credit score. However, when I received the card, I was unexpectedly denied access and instructed to contact the fraud department. They requested various documents, including my driver's license, three months of bank statements, and utility bills. I submitted a screenshot of my power bill and a detailed three-page bill from my internet provider. After waiting eight days and explaining my situation, I was informed that my power bill was denied because the provider wouldn't verify my information. This has resulted in late fees for bills I was trying to pay on time. I can't believe how poorly this has been handled; it feels like the company is complicating the lives of those trying to improve their credit. I’m incredibly frustrated and plan to switch to a more reputable service with better rates. My experience has been overwhelmingly negative, and I doubt I will recommend this service to anyone.
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