Awful company that preys on students… Awful company that preys on students offering large lines of credit at exceedingly high interest rates. They don't care about the customer. Parents, do not allow your young adult children to fall into this trap. Avoid at all costs. Also be aware the one thing this company does do well is scrub the Internet of poor reviews. I have written many which have mysteriously disappeared.

Predatory Practices Extremely predatory interest rates. They confirmed that even after my 6 year history as a customer, they will never be able to offer an interest rate less than 32.9% - this is over DOUBLE the average interest rates. They give credit cards to everyone who applies because they know they will make money off of them eventually. This card has an annual fee, no rewards, cannot offer lower interest rates, and does not care about customer loyalty. Also, the website is not compatible with Chrome, but even in Edge it is not a very user friendly site. Their update they made earlier this month did improve how the site looks, but navigating it is as hard as it has always been and some of the pages simply just do not load, likely due to a lack of investment in their online infrastructure.

Member since 2001 I was a member since 2001, didn’t know much about APR % and needed to focus on education after HS graduation 2002. Graduate Alumni NC A&T 2010. I haven’t use this card since like 2011. All I did/ could afford is make the minimum monthly payment, and APR reach 29.99%. My credit improve all the years. I never received an email, phone call about promotions, lowering APR, etc. I finally was able to make balance transfers to get out because I wouldn’t never been able to pay off the balance of 12,000! Just be careful with this banking institution.