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