its a really bad credit card to get if your trying to re-establish credit the interest rate is half of you monthly amount due I have been paying $65.00 a month my min payment is $60.00 a month they take 1/2 of that payment for interest so you will only get $30.00 a month applied to the bill total rip off stay away when you contact them the staff is rude and give you no help whatsoever i'm paying this card off and i'm done stay away!!