I have a Credit One credit card and I am very glad it has a very low balance and I will be paying them off and cutting it up. I believe this is a company owned by a bank in India. Talking to them on the phone makes me very uncomfortable as their arrogance leads me to believe they are scamming people. I have yet to speak to someone that does not have and accent. I made a payment online on June 22 and today is the 24 and there is not even a pending payment noted. I do have a reference number but with the way they do business I doubt that will matter. I plan on reporting this company to my state banking and finance government as well as the Security Fraud dept.