Except for the slight language barrier Except for the slight language barrier, the rep was more than happy to help and quickly handled the transaction.

James - sincerely, genuinely friendly James was sincerely and genuinely friendly and warm, while also demonstrating detailed knowledge of the speed at which various forms of payment go through. He was able to quickly cancel bank payment so I could then pay with a debit card. It really was one of the most pleasant and fun exchanges I've ever had with a credit card company.

Rep LISTENED and was very… Rep LISTENED and was very knowledgeable, patient and was able to help my needs, unlike the rep before her. Really made my day!

The customer service with this company…was TERRIBLE The customer service with this company was ABSOLUTELY HORRIBLE! They could care less about the customer. Each of my experiences (several times I contacted them) calling customer service was met with rudeness and total disrespect. “I” paid off my balance, “I” had my account closed and then cut up the card! Terrible experience. And yes, I paid my account on time every time. Bye the way, that same guy… just hung up the phone one me…again! Just terrible! One star is too much! I scratch my head at the other reviews. Not my experiences.

Potential $800 limit What an exceptional credit product.. Sure I agree with everyone that the initial fees are next to outrageous but since I'm working on rebuilding my credit it's understandable that they're taking a risk and there's a price for the risk... BUT.. where else can you get a card with a $400 limit and 6 months later have it turn into an $800 limit which works wonders for your Utilization Ratio bringing your score up... As long as you don't charge up your new $800 limit, otherwise you'll be in the same boat and actually pretty borderline stupid... So take advantage of this great $800 opportunity.