My husband and I were advised to apply for this credit cart when we were in the market to buy a home. We were told that it would bump our credit up about 20 points. The card is basically a pre-paid card. You apply, they put $300 on it and you pay that money back. Their interest rate is horrible though...like 20+% and there is a $75 annual fee that comes out of that initial $300 dollars. The card worked exactly like it was promised and it DID boost our credit the promised 20 points. I would recommend this to a person in a similar situation but be sure you have the funds to pay it off in a timely manner. They say that you can be refund the prorated part of the $75 annual fee but we never saw that. Bottom line, use with discretion and caution and make sure you cancel it as soon as you have paid off the balance. Canceling was a breeze and we took great satisfaction in sitting in our brand new house and cutting the card in half. Customer Service Easy to call and cancel. Available Rates Whoa Nelly!
Round Rock, TX