It is a good card for rebuilding credit only. There are no real benefits to having this card after that. The company is basically charging you to give you credit and not that much credit. Which sort of makes sense in a weird way. But the overall benefit is you are building credit as long as you are paying your bill on time, because they regularly report to credit agencies. I would say before you settle for this card absolutely, I would shop around for a better card that has some idea about building credit with less money coming out of your pocket initially. Customer Service Customer service is decent enough. I was not hugely impressed with them when I had this card as they appeared to be most driven my cash and not necessarily a customers personal issues or questions regarding the card. Available Rates Rates are very high for this card. I guess the only benefit of this card is they give you a higher credit limit, but they still nickel and dime you with regard to the monthly fees they charge you and the start up fees they charge.