Specifics

• Introductory Rate: No Introductory Rate Available
• Applied Towards: None
• APR (Purchases)**: 19.92% 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: $50
• 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. This card has an above average APR and a $50 annual fee. Monthly maintenance fee is $12 ($144 per year). One-time account processing fee is $200. Expect to pay $382 in fees during the first year. *See Website for Other Fees, Rates, and Terms and Conditions Last Modified Date: 1/28/2009 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, terms, and conditions. ***The monthly maintenance fee of $15 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.

**See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.