I received the secured card in the mail last year after being pre-approved for a different card. After reading through the information and fees, I called customer service to decline the card and received a very rude response. To add insult to injury, I received a bill in the mail a few weeks later, indicating that the introductory fees were overdue and I would now be assessed penalties in addition to the extensive fees charged upfront to activate the account. It took several more phone calls just to get this straightened out and make sure the account was not activated. Avoid!