REWARDS..ASO holders have access to AMEX rewards like Unsecured Optima holders. We all know that AMEX rewards are the best. Search this and other boards and you will see. Listen to Dogman and others. There is no better company for rewards than AMEX. No other secured card offers that. APR... The APR on this card is high but it's lower than any other secured card I have read about. After using it for a while I can attempt to get a lower APR. We all know that AMEX reps have that authority unlike most other secured cards. I will try my best to get a lower APR after maybe 6 months. IMPROVE CR...I know that the ASO does not report. But this is how I will use it to improve my credit rating. Since this card will not be reported and since the APR is lower than other secured cards, I will use it the most. If I carry a balance, the APR is lower (saves a little money). If I carry a balance, it won't effect my income/debt ratio because it's not reported. I will use my subprime/secured cards less frequently and always pay off the balance. This will keep my income/debt ratio attractive. If I have a large expense I must charge I will use ASO. (I have a large bonus check coming from my employer so I will be able to start my ASO card with a high limit.) AMEX Green.....In about 1 and 1/2 years my CR will be clean accept one account. I will then apply for AMEX Green and explain that one bad account. With over a year with the ASO card in excellent condition and good reason why the one bad account exists, I should get the AMEX Green. Then my mortgage loan will soon follow. Anyone want to comment?