They will ruin your credit!! even if you make your payments on time.I have made every payment on time. had a credit limit of 2000, and they dropped it down to 410, made my credit usage go from about 20% to 93%. Then they said it was due to the fact that I'm low income. and don't have many credit cards. Excuse me, but who isn't low income, and struggling right now thanks to covid, and the cost of living increase? If you ask me they are out of their tiny minds!!!