My husband and I each got one. My acct was charged an addt'l credit protection fee (for which I didn't sign up). It averaged only $3/mo, but over the time I had this card, the charges totalled $50! Not to mention late fees, high fees to pay acct online, overage charges, high annual (monthly) fees... There is nothing good or convenient about this card! But worst of all, he and I have tried to cancel each of our cards, and they don't! They just keep charging us monthly fees! I'm sending certified letters today. They use fraudulent tactics to squeeze more money out of people trying to improve their credit. I cannot believe they get away with this.
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