This is not a Visa or Mastercard. I thought I was applying for a Visa/Mastercard so I could start to rebuild my credit but that was not the case. They deducted the amount from my bank account. They said they would send me an email about my account set up & it never came. Do not apply for this credit card is is not what you think. Luckily I monitored it, called my bank and got the withdrawal stopped. Save yourself the trouble. read full review »