My daughter received this card in the mail. It wasn't activated, just put away. A couple of months later she received a bill in the mail. She owed $80. plus., and that was in the one time activation fees, monthly maint.. fees, past due fees, service charges, and Finance charges that were charged from all of the other charges added together. So my daughter got on the phone and talked to them. They told her she could make an on-line payment, which she did. the next month she received a bill $8.00 for an on-line payment, 3.00 for a maint. plus a $3.00 Closed acct. Maint fee. We called them. I wanted to know how you could charge a closed acct. maint fee . Now they are charging us $32.00for fees Our total this month..$90.36. I have asked them to send me a copy of every monthly statement from day one. They have yet to produce a single page.