Late bloomer to credit. Always worked hard saved, made purchases in cash. Home, land, and min car loan history. After learning how it is necessary to have history, I had to start anywhere to build and play catch up as quickly as possible. I have learned a lot. I have a few cards I am stuck with only to keep them open. They are bad in every sense. This card has been on a positive list for me. If you need a reliable card company to start building credit, this company and card offers professional service. I have never had any challenges with them and any time anything was needed, I always had all questions answered immediately. Now that I am beyond “starter” my hard work has opened up many more doors. This card is not on my list of cards I desire to close as soon as possible without negatively impacting my credit successes. My only wish was that they offered long standing customers opportunities to continue to grow with them via rewards, cash back, and credit line increase capabilities. Now that my focus is on using and maintaining 30% while continuing to grow, this is the only thing I wish they offered. I highly recommend this card to anyone wanting to start building credit. Don’t learn the hard way, as I did. Some cards and the very small print…will cost so much money each month despite having a zero balance. I am not sure what the ceiling is on this card. I can only report, I am happy I had this on my journey. Thank you.

This app works great! It shows the information that you need, available credit, amount of credit available and due date for your payment as well as minimum payment amount and due date. There are a few different ways to pay, only way was to pay with this app and that’s through your checking account. Setting up your checking account from your bank to the app is easy and fast. You are able to use a debit card but you have to call customer service and go about it that way. So far I have ran into no hidden charges and that makes me happy. This is my very first credit card and although the interest is kind of high, I am happy to have it.

As a developer myself for more than two decades, I can say that this application was truly developed with the end-user in mind. The application flows very nice, and is easy to use and navigate. The items that are displayed for your availability are the useful ones in the screen is not cluttered with a bunch of useless links. That said, it is still very powerful and if you need to go and dive deep into the weeds, the application gives you that ability as well. In closing, the application is a well written application.

As a person with A LOT of apps, this is a good app to use. Other apps you have to log in every time and the biometric log in doesnt always work, which from a customer experience standpoint, is a big no no and a turn off. The fact that I can get in everytime is a plus and serves the customer well. So thanks for that!! Love the app and makes it easy to get bills paid. ✅