Do Not! I have paid my card on time from day 1. Actually about 120 more than my owed balance. They recently decrease my credit limit to 570 from 1000. When I owe 540. That hit my credit hard as a maxed card afterwards. Not so good when you make great responsible payment and your credit score dropped. SMH. This lender is a joke. Do yourself a favor and get a real jewelry card or whatever it is your doing. DO Not Use! HURT YOUR CREDIT NO MATTER WHAT!