Also I should point out that my oppinion is for SOMEONE STARTING OUT, not rebuilding. One, you can get the card for about $110.00 for 2 applicants. So a husband and wife now can "BUY" a $500.00 trade line, for about $55.00 each. And no it's not illegal in this case. Two, you don't have to keep the card for longer than 8-9 months, by that time you should have a Mobil or Exxon for $500.00, a Citibank for $2,500.00 plus an Aria for $1,000.00 and be about 3-4 months away to getting an AMEX BLUE for $2K! Three, you get a $500.00 trade line without having to tie up $500.00 at once. Now look at the fees $8.00 per month I think even if its $10.00 that's $80.00 for the 8 months you keep it so TOTAL COST for two people is about $100.00 each! Also when your done with the account transfer your built up available credit to another card or an account with C2IT, and no waiting for a refund cheque (5 months for First Premier Bank). And RONI you will like this, trade lines for BOTH applicants are posted within 1-2 months after opening the account. I didn't like this card when it first came out, but now when I compare the problems some of my clients have had getting other banks to report in a timely manner. and the long waits getting deposits back from many of the other secured cards I frankly feel quite different. One client of mine has been waiting almost 8 months to get $300.00 he sent to the associates after he was declined, writing them over 3 times!