I'm a computer programmer making $57,000/year. I own a used car. Because I'm under 25 I can't get decent insurance (my driving record is clear). I'm having to pay $1,350 for a 6-month auto policy with $1,000 comp/coll deductibles. And for a long time, because of my age, I couldn't get checks over $500 accepted hardly anywhere even though I had the money in my account and I never bounce. Talk about age descrimination! Thanks to Aspire extending a generous $2,000, I was able to furnish my apartment a month at a time. The only other way I could afford to pay for durable goods would have been to cary unsafe amounts of cash with me. The debit cards have annoying daily limits on them which isn't enough to pay for large appliances and furniture and moving companies. Everyone assumes that because you're in your low 20s that all you do is buy clothes and talk on the phone. I hold my own career (I'm going back to school at nights, too), I pay all my bills, and I've been upstanding in all my obligations. The kick was, Aspire doesn't report. Or at least, I didn't think they did. I held onto their card long enough to know that the offers that were coming down didn't improve ($100-$250 initial credit limits do me no good except pay for groceries, just another useless card). So I decided to gamble and called to cancel my account. They put me on the usual hold queue and transferred me to their retention department. When they asked why I wanted to cancel I told them it was because they weren't reporting my good account to the bureaus. They told me they would update my report and lower their ungodly rate to a (still ungodly) 23%. It's been several months since they've done this, and I now have received cards from HouseHold Bank, and Bank of America for initial limits > $2,500 and a GE card with an initial $8,000. Now that Aspire's reported, I've tossed that card into my junk drawer but I'm leaving the account open to keep my credit ratio down. Hopefully before too long I can cancel all my open accounts except one and turn it into a decent platinum card. I'm so happy I found a way to break the credit/age barrier! Soon I will be apartment dwelling no more!