I've been turned down by Capital One, FCNB and Providian and am now thinking of Net 1st. Any info on this card? Intrerest rate? Grace period? I think I've read somewhere before that MANY people are NOT satisfied with this card and they charge you one-time fee (like $90 ?) and a monthly-fee, but I don't seem to have a choice. Do they report as unsecured? Any information on this card (Hopefully something positive) would be greatly appreciated. Thanks.