I have had this card for 2 years, we got it when our credit was sub-par, I have always paid it on time and to thank me they give you a credit increase BUT charge you another $100.00 for a $300.00 increase. They also charge you to pay your bill. $10.95 a month, $9.95 monthly maintenance fee, 29% APR, and $89.99 a year user fee. To sum it up...if you don't use the credit card at all it's still going to cost you over $30.00 a month for it to sit in your wallet or purse. Eventually if it's your first credit card they have trapped you into keeping it to upkeep your credit score history. In my opinion it is a pure legal SCAM.