After reading many complaints against this company that sound even worse than mine I will throw my two worth. About a year ago last Christmas my wife was going in for some surgery so I made a payment for November then a week or so later gave them another 1000 dollars so my Dec. bill would be covered and I could be with her. I'm in the hospital with her they call and say I'm late with my Dec. payment and demand payment over the phone. I told them that I had already made this payment and they argued that I made it to soon and they applied it to Nov. so I agreed to pay the min. to get rid of them. Then they charged me a late fee and raised my rate from 7% to 14%.I did finally get them to drop the late fee after a very heated discussion.
I have since used the card and carried a zero balance monthly so as not to be charged 14%.
Today they have informed me that they have canceled my account. I asked them why and they couldn't tell me all they could do is tell me there is a letter in the mail. I'm not crying over losing this card because they have been terrible to work with and until recently their website was a nightmare to figure out, but I would like to let people know this is not a good company to do business with and I hope with the economy being so bad that other credit card companies don't follow this path as well.

In conclusion: I can only assume they are in big money trouble and are dumping people like me who pay off their bill every month and keeping the 25% interest people. Right now they owe me 31.10 in rewards.
Other funny note today I got a statement in the mail telling me what a wonderful customer I am and wants me to start banking with them 24/7 LOL