This would only be worth it if you pay it off each month, as it has an insanely high interest rate of 28.24%- you can get a secured Discover card at 25.24% or 2

This would only be worth it if you pay it off each month, as it has an insanely high interest rate of 28.24%- you can get a secured Discover card at 25.24% or 21.24% with Wells Fargo. You can do even better if you do with a credit union- DCU has secured cards around 13.75%.