That's true. I have the card also, the fees are high, but I can not complain because it does clearly state in the application the fees etc....But when you are trying to rebuild credit and trying to get a cc you can't pick and choose from too many options. I had to get a cc because I was tired of having to use my friend's to rent a car everytime I had to travel long distances to take my children to their specialits. (If I use my friend's cc I pay a higher rate because I have to be listed as a second driver)I've never had a cc this is my first one. So far so good, I haven't had any problems so far.