This card is backed by Bancorp which I am not 100% sold on. However, my reason for getting this card is it starts out with $1,000.00. So I was wanting another one with a higher limit. Because if I am approved for $1,000.00 then using 25% of that credit line means I am spending $250.00 which means I need either a higher credit limit or will have to use more than one card to balance out my usage. But Sofi gave me $5,000.00 credit limit which is what I needed because now I can spend up to $1,250.00 and still only be at 25%. So if I need a washer, dryer, new water pump, new lawn cutting device or what ever, I feel I can now get it. I think the key issue here is all about budgeting and never taking on more than you can handle.
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