I think its asham that they put all these fees on this contintial finance card how do you suppose to enjoy using the card with them putting all the fees on the card and they put those fee's on soon as you activated it and you barely can buy anything with the card $50.00 avaiable to me wtf is that going to do for me or for my bills?? Huh?{ what you gonna do with $50.00 go to mcdonalds and use it buy a meal and get a cup of coffee and the money that was avaiable to you is already just about gone}. You know why you cant buy to much with the card? BECAUSE WERE TO BUSY PAYING ON THE FEES ON THE CARD and even if you pay it in full you still cant go over $300.00 so lets say for example I paid $314.00 they will take the money accourse but put it as a credit for my next bill FOR EXAMPLE IF MY BILL IS $50.00 A MONTH IT WILL BE ONLY $30.00 FOR THAT ONE MONTH THAT I PAYED OVER MY LIMIT. I mean in my opoion your just better off using cash I mean I understand this helps your credit but the money you be paying just to have this card and to say Hey I got a credit card you mind is well get a prepaid credit card I heard that helps your credit as well because this is ridiculous and wit bad credit you cant even get a good bad credit card because all the companies label you as a liability and ppl dont want to give you and chance because they feel they dont want to lose money if they feel like that!! they shouldnt give credit cards to bad credit ppl at all becasue its not fair that as a consumer we half to pay out all this money and cant even use the benefits of the damn card you barely cant use the damn card because its only $50.00 and I laugh sometimes because im like where human we make mistakes and we learn from them and when we get another chance we fix the problem and not do the wrong again but in there eyes there like nope its are way are NO WAY thats it you want are card and benefits you gotta pay us all out first . Creditors treat ppl with bad credit really bad and its asham because things happen in the life where you might just cant pay and thats when the calls starts and being hasseled into court ( CAPITAL ONE )its wrong how they treat us as ppl but imma have the last laugh at the end and I did a test I just wanted to see can I overdraft and I tried to overdraft by a quarter you know the card said DENIED im like wtf is this prepaid card are something?? its only a freaking quarter smh I cant wait to get my credit back on track because I got something for these ppl they make me so angry literlaly just how they treat ppl who barely making who works so hard to make a living and they not even trying to work with them. REVENGE IS MINES just site back and watch because when my credit get right they gonna be on my shit sending me applications for award cards and everything and imma simply be like NOPE because when I was down and out they wouldnt even look at me but now that im back and free of debit now you wanna come crawling back na you good lol but just alil advice to ppl who wants to apply for this contintial finance card DONT DO IT YOU WILL REGRET IT beleave me your making a big huge mistake!!!