You are only looking at this card to improve your credit, and you want to be credit worthy. The opening limit is $500. Not alot but enough. When you get the card, they then bill you $125 in “Fees” for processing. Consider that bribe money. Then there’s the $75 dollar application charge. So you’ll have about half of the promised limit to start with. I ran into issues, so I was prepared for that kind of thing. I expected usury rates and charges for nothing, but what I did not expect was out and out fraud. This company DOES NOT WANT you to improve your credit, and they will actively prevent you from doing so. I got this card, and charged $30. I paid half, not because I didn’t have the money, but because having a 0 balance does not improve your credit rating. Well I signed up for automatic payment and figured I was all set, but here is where the scam starts. Even though you enter in your banks routing number and account information, Verve will say that your account cannot be found. They charge you 27 dollars for a returned check fee! Wait a second, my bank account is real. You call, they say they can’t figure out what the problem is and blame your bank. They may waive the fee this one time. You make your payment, and figure everything is ok. You keep an eye on this account and BOOM next month, SAME SCAM. They submitted your payment to your bank, but they say your bank rejected it. NOT TRUE. That’s when the fees start piling on. Every month for 10 months I went through this song and dance. Resubmitted my bank information, payment would go through, next month the payment would be rejected and my bank never received a payment request. In December they “changed” their policies and every customer has to go in and setup a NEW automatic payment cycle. If you didn’t know this or didn’t get the letter, BOOM, another fee. This credit card is not worth the trouble they are going to put you through. You have to constantly watch your account and catch their erros. There are other accounts that don’t purposefully try to damage your credit, this company is not one of those guys.