Mastercard w/ $1k limit APR: 23.99% (in big letters by the way) Annual Fee: $59 Grace Period: none Cash advance fee: 5% ($3 min) Cash advance fee rate: 23.99% Late fee: $29 Overlimit fee: $29 PaySmart (paying over the phone from your checking: $4.95 but the first time is free. What do you guys think? I've been fishing around for another trade line after my fiasco w/ the Washington Mutual Secured card (it didn't report for some reason anyway). Anybody else have this card out there? What are your experiences?