For now I rate it 2 stars only because it possibly could help raise my credit score. After looking into it more, it seems the only place you can use the credit they offer you is to purchase something on their store. They already got me for 2.00, just by adding a payment method. My billing date was the next month, but as soon as i put in the payment method, not to pay right then, just to add the payment method, well the charged my card for the first payment due a month away. Think it's a fraud