This company operates under the pretense of helping people re-build credit. I applied for the card and paid the $179 fee immediately. The first month they reported me 30 days late. I paid another fee immediately, though I had not used the card. Things went well for 3 months after that and they sent me a platinum card without my asking for it. I paid the initial $50 and then the monthly fees on time. After 6 more months my credit report showed 2 late payments. I closed the cards out and was charged $350 to close one card and $450 to close the... read full review »