Melinda B.
Beware of this company
I would not recommend this card to anyone. They get you "in" by offering a fair amount of credit, with fairly reasonable terms. After a few months they will send a letter about a change in terms. Raising the interest to 35% and saying they will now charge you monthly for having their card, whether you have used it or not. The only options at that point are: to agree to the new terms or close the account. Closing the account will drop your credit score by at least 18 points. It's bait and switch at it's finest. How could they improve? By not conducting business that way.



