Let me start by saying that I REALLY wish I had never gotten this card. I had been rebuilding my credit after an ugly divorce, and decided despite the initial fees that amounted to nearly $200, that it was worth it to build my credit. What I didn't realize was that even if you DON'T use this card, you have to pay a fee of $8 MONTHLY...so they literally charge you for nothing. THEN, you pay an annual fee of $79, again, whether your use the card or not. This doesn't even begin to explain the issues with both their app and even on the website when you go to make payments, etc. Fail all the way across the board. I realize that when you are trying to build or rebuild your credit, your desperate and caught in a spot where the better cards won't offer you credit, so you are left to get either a secured credit card or one such as this. However, my advice would be to go with a secured card that reports to the bureaus, that you have to have some money in initially and then once you start building the credit, they will give you a regular credit line card. Look them all up and which are better. This card has no "upgrade", and so if you have to pay that much in, especially initially, you might as well put that into a secured card that reports to the bureaus, than give this bank your hard earned money. I now have excellent credit and many high balance, rewards and NO fees cards, so I will be canceling this one prior to the annual fee, that's for sure. Good luck to all.