My credit was zero because i am new migrant in USA, i tried to increase it through a credit card, i applied for a card from this bank . after 3 months of regular payments, i discovered that this bank did not report my payments to the credit bureaus, i stopped paying and called them to cancel my account, and payed all my balance one time . I discovered that they report a delayed payments to the credit bureaus which destroyed my credit . note that all what i payed to them is their fees !!, i didn't make use of more than $25 of what i payed . So they know the credit bureaus only to hurt their customers .KEEP AWAY FROM THEM. read full review »