My sister signed up with them under the guise of building her credit, having had an account closed during hard times. She has since paid off the debt to her old bank, and is trying to reestablish her credit foundation. After receiving her card (to which I was immediately skeptical about, having no approval procedures other than "give us your billing information, and we'll handle screwing you-er, .. I mean "the rest"), she was instantly discouraged by their charges for *everything, charges for customer service, charges she say... read full review »