The Reflex® Platinum Mastercard® is aimed at individuals with poor or fair credit scores, offering a chance to rebuild credit without the need for a security deposit. It reports to all three major credit bureaus, potentially helping users improve their credit scores through responsible use. However, the card comes with a high APR of 29.99% and substantial fees, including an annual fee of $75-$125 in the first year and a monthly maintenance fee of up to $120. While it offers a credit limit up to $2,000 after six months of timely payments, the costs associated with the card may outweigh the benefits for some consumers. Careful consideration is advised before applying to ensure the card aligns with one's financial rehabilitation strategy.
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