I had a really horrible experience with this company. Part of it was due to my naive nature but a lot of it was due to their dishonesty. When I was in college, I was obviously hurting for cash. This company had a table set up on my college campus outside a local restaurant. When my friends and I walked past, they said "fill out this form requesting more information on our company and get a free lunch." Well, as broke college kids, of course we wanted a free meal. They told us the form was only to request more information on their company and agree to getting things in the mail. None of that seemed harmful. So we filled out the forms and got a free meal. About two weeks later, I got a letter in the mail from this company with a credit card in it. It told me, "Congratulations, you have been approved for a credit card!" Apparently they used the form we filled out as a credit card application. I called and cancelled it immediately. However, it has left me with a bad opinion of this company since then. I would not recommend using them based on my experience. I value honesty in companies and they did not show it. Customer Service They cancelled my card quickly but were dishonest from the start. Available Rates Interest is high.