In 18 years of my credit history, I've never dealt w/ such a horrible credit card company. They pretended I gave them the wrong bank account info to process the monthly payment, so the could charge me a fee, instead of emailing me or calling me like every other credit card company TO ADVICE ME THAT PAYMENT DIDNT GO THRU, of course they just keep charging me every type of fee they can charge me. JUST A SCAM!! They never apologized, or even offer to keep my business. After I called them to pay in full and close my account, they stiil sent me a statement saying I had and open ballance, SMH, and on top of that the only way to pay it is to charge me another fee to do it over the phone, keep in mind I had told the to give me my total balance so I could pay it ALL and close the account. I've NEVER had such a bad experience. RIDICULOUS!!!