Totally avoid this business at all costs. Haven't used their card for 3 years, but unlike all other major credit cards they charge a $45 annual fee. They charge a 19.65% APR. Cancelling the card with them is a nightmare. They keep charging daily interest rate charges, even after you cancel. The maximum amount they let you borrow is $750. In other words they are only in the business of signing up people who are desperate and gouging them.