There is the site for the faq. You can apply online or at your doctor’s office if they accept it. I know they have a search engine to help you find doctors near you that accept you. As far as I know this is the only company like this. I believe they only pulled my Transunion report, but I have had this card for almost 2 years so I cannot really remember. I have had a good experience so far. I have never missed a payment. I have not been given an increase automatically but I think you can request one. My inital limit was 1k and I just haven’t felt the need to increase my limit yet. Maybe the faq can answer any other questions you may have.