Yes everything SEEMED good until after the 12 months.... Then the shady side was revealed. THEY kept my money i was saving over the year as a "deposit" incase I ever decided to close my visa card account..... Yes you read that right. There out here taking double deposits for a secured card. So there using your money to open it, then taking an additional deposit equal to your card incase you spend your own money 🤔 So if you decide to keep the card you'll NEVER get that deposit back.