Well, I had an account with them. A secured account 4.7 plus years.. Never missed my payments. Card completely paid off even an overpayment. On my balance, would they give me an unsecured card? Absolutely not. No, you're gonna wonder why not? One reason I can think of credit rating is strong. In the 7 20s never missed my payments. As I said, I've got 2 other cards, they were absolutely useless. No, help to me whatsoever, tried talking to them. No luck there just a horrible horrible company to deal with. So I pulled my money, and I will take my business elsewhere. I do not recommend this company at all. If you're gonna do anything, go with Mastercard. Capital, one, they've given me two cards increased my limits every six months. No security, easy to deal with great people. I give home trust visa a zero at a five.