I gave it two stars only because their customer service is pretty good. Otherwise, I would have given it one star. I applied for and received a secured card. One week after getting the card - no, I think it was the same day - I got by email a request for an IRS form to prowl around in my income taxes for the last two years or I would lose the card. Well, I'm not about to subject myself to that so I closed my account. Did not even activate the card.I asked when I would get my money back. I closed my account March 30, 2022. Following was my reply:"Thank you so much for holding! Taking a look I do see that you closed the account back on 03/30/2022. It takes up to 2 billing cycles plus 10 days to receive the refund. I hope this information helps. What else can I assist you with?"If my math is correct, that is about two and one-half months give or take a week or two and not including mail. Oh, they send you a check. They do not put it back into your checking account where they insist on getting it from you.If you apply for a card from them, any card, expect the IRS form. If you want to allow them to dig into your taxes and you want to do it, that's your business. But be aware it will happen that way. If you don't want it, don't waste your time. I now have a much better card and it is not secured and it has a nice line of credit.
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