One nice feature for the consumers they are targeting is family member AUs with adjustable CLs as well as the ability to enable/disable cards. There is a real need to help families educate their kids about responsible credit use and this might help. This is offered by a few others but really needs to be expanded.
Otherwise the product looks pretty bad offering APRs (without being a rewards card) of "As Low as 29.99%"
Do you have a current budget? If not, please prepare one and post how much you have available towards the reduction of debt and your emergency fund after taking into account all of your current expenses and minimum payments. Also list how much you currently have available towards a lump sum debt reduction. It would be helpful to know how much funds are available to reduce debt.
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