Card is designed for people with poor credit

Secured credit cards have proven to be good for those who do not want to make deposits.

The card's high recurring fees make it very expensive to open and maintain.

Reports to all credit bureaus 

Super-high APR:  29.99% 

No grace period

Credit limit increase fee of $100

Annual fee: $75 the first year; $45 after that 

Late fee: Up to $38 Returned payment fee: Up to $38