The advantage of reestablishing credit after a past of credit problems is the reason that many take the opportunity when offered to accept a card of this sort. There are many pros as well as cons depending on each one's individual personal credit and past credit experiences. This is a wonderful opportunity extended to many which also comes at a great cost as well. This card will give you the chance to reestablish but also does not give much room for extending any larger amount of credit over at least a year's time. Basically when you start out you are paying on a card that you have never...read full review »