I opened a self account in order to help build my credit. When I started my credit score was 650. Over the past year I made all my monthly payments on time, and I use the card often keeping the usage under 30% and paying back what was owed on time or early. After completely paying off my $500 loan and with the one year history of being within the parameters they set, I lost five points on my credit score, it's now 645. I don't think the self card works as advertised definitely a waste of a year