They have the most unprofessional and rude billing department in all of North America.  \n\nI lost my ATM Card and had to wait for my bank to send me another.....well I received it on the 11th and my bill date was on the 8th.  \n\nOK, so here's the scam...you revert back to our Mail in rate of $25 and a $20 admin fee cause your cancelled card isn't valid.  Now if you pay us for the whole year I will give it to you for $144 and will waive the $20 admin fee...SHUT UP! \n\nSo now what's normally $22 is $45 for one month but if I give you $144 you'll waive the $20 admin fee!  Didn't you say you never do that....Oh yes you do and it cost $144 in the form of an annual pre paid Membership.  NO THANKS!\n\nTHEY SPEND OVER $2 MILLION A YEAR IN DIRECT MAIL, TV AND RADIO ADVERTISING FOR NEW CUSTOMERS.....I HAVE ONE QUESTION?  Why not spend $23 a year keeping the customers you have HAPPY?  Word of mouth is worth a lot more than your big ad budget...just a thought.