Please view this original YouTube video if you have not already done so. Please also check out the description in the original YouTube video and the comments and replies other people have posted to this video clip so you can make the best informed decisions for your own self.

https://www.youtube.com/watch?v=xTQIgyfg0lo

After 1 year I have increased my credit score by 50 points using this card and in addition to paying off a student loan. 

I have posted some other updates about this EXTRA card. People have been mentioning issues getting the card on time, or concerns if they cancel it may reflect as a closed line of credit, and also people have other questions about Member Concierge not responding. I have spoken on my own personal experiences. This is not professional financial advice, I am not a financial advisor, this is for purposes of sharing my personal experiences.