This is a great card if you want to increase your credit score. I didnt have any credit when i got this card. Now i have a lot of credit score being high. I can apply for more credit cards and be accepted. You just have to make sure you have your due date payed or you will get a late fee. Which is not good. There was one time i was in the hole with this card. Im doing great now. I like it. It helps my credit now. Im glad i have the card. Its great when i dont have any money for a week and im broke. I wouldnt change it.