I went to use a collabria mastercard issued to me today a Lowes store and it was denied. It has already been activated and still denied. It is not the first time I have had trouble with collabria. After waiting almost a month for them to issue a card they only gave a credit limit of a lousy $1000.00 After inquiring about it they still haven't got back to me So at this point they can stuff it User's recommendation: Go to another credit card issuer.