Specifics

• Introductory Rate: No Introductory Rate Available
• Applied Towards: None
• APR (Purchases): 9.75%* The APR for purchases is based on the Prime Rate.
• APR (Cash Advances): 19.92% There is a minimum APR on cash advances. The APR for cash advances is based on the Prime Rate.
• Finance Configuration: Average Daily Balance (including new purchases)
• Annual Fee: $25
• Additional Cardholders: $30**
• Grace Period: 25 Days (Min.)
• Minimum Credit Limit: $300
• Maximum Credit Limit: up to $2,000
• Late Payment Fee: $35
• Over-The-Limit Fee: $35
• Cash Advance Fee: 3%, $5 minimum
• Balance Transfer Fee: n/app

Reward Program Details

• Points per Dollar: n/app
• Additional Points: n/app
• Point Details: n/app
• Expiration: n/app (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus.)
• Yearly Limit: n/app

Review

Created for those with poor credit who need a second chance. The main benefit of this card is that it reports to credit bureaus, which is important to help you build credit. This card has a Low APR and a $25 annual fee. Monthly maintenance fee is $12 ($144 per year). One-time account processing fee is $200. Expect to pay $357 in fees during the first year. Last Modified Date: 10/30/2008 12:00:00 AM

Additional Perks

Access to semi-annual credit limit increases.
* Various Internet account related services.
See website for additional benefits.
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Important Notations

*See website for other fees, rates, and terms of conditions. ***The monthly maintenance fee of $12 is waived for the first month. There is a one-time account processing fee of $200. There is a $35 fee for returned payments. There is a $25 fee for credit limit increases. There is a $4 fee for Internet payments. See website for complete terms and conditions of card usage and application disclosure.