The one drawback to this card, is the confusion over when it will go unsecured. If you ask an online representative, they say 9 months. If you go into a branch, they say 12 months. The person who took my application and money told me 6 months. Like everyone else, I pay balance in full each month. I just wish they provided documentation on what the procedures and time frames are for going unsecured. It would be nice to know when I could potentially get my deposit back.

This is an ok card for building credit. Unforunately due to my current money troubles I have become late on some of the payments, and have had my credit card close. Whenever I try to call customer service, all I get is a automated voice message system and no option to talk to a live person. It cost me 100$ to have a 500$ credit limit card and will not receive my money back. Although recently on their website I can view my credit card amount and status as well as my checking account.

When i got my Bank of America Visa Card I was pretty cautious because i had so much debt already. But it turned out ok. The customer service they provide is much better than most banks. They dont outsource so much so there is always an English speaker to talk to about the problems.

I was needing to establish my credit coming out of college. I started with this type of credit card. I used this card for a year making small purchases and then paying off the balance in full. Now I have stayed with the same company but switched to a different card with a lower rate and better terms. My first card did the job I was looking for. Great way to start establishing your own credit.

After having some rough times financially, I chose to use this card to rebuild credit. Couldn't recommend a better way to get started reporting to the bureaus! Good customer service, straightforward terms and conditions and no funny business. I've been very happy with it - just mind your due dates and use it responsibly, and you'll be happy with the results.