card is good for people who have bad/or no credit this card helps you solwly build credit . but intial fees are too high first there's the acceptable $29 appilcation fee,after you're approved there is an automatic fee of $179, and a monthly service fee of $7. So you are imediately in debt ,on the plus side you are given 30 days to decide if you want the card.Late fees are $29, a $7 fee for pay by phone,a $25 fee for credit limit increases,a $3.95 (one time ) internet access fee, the fees for are a turn off, but for someone who needs to build credit card is acceptable .it has a .9.99% annual arp $250 credit limit so you start off with $71 of credit and $250 debt. A small credit limit also helps people with bad / no credit stay with in budget . If you hav no problems with all the fees ,small credit limit and have bad / no credit then this is a good card for you.Most people are accepted .