I want to warn everyone out there to stay away from opening any type of a line of credit or credit card with GE Money bank. My spouse and I opened a joint credit account to handle some recent home improvements and it has been a nightmare since day one. My statements have been consistently incorrect. Upon inquiry to their customer service center they provide various reasons and inconsistent responses when I attempted to determine what my true monthly payment and account balance was. After several months (during which I continued to pay them) they continued to tack on fees and call me repeatedly claiming each time that what I was told by their service representative was incorrect and I owed more than what I was paying them. Most recently, now that I've been assessed almost a thousand dollars in 'fees and penalties', I tried to sign up for a new payment schedule - the offer is that they waive the fees and you resume payments that month at 10% of the credit card balance. THEY provide you with the date the payment is due and the payment amount. I started the plan and TWO days later was contacted to say that my payment was $80.00 short and they would be assessing more fees---AGAIN - I paid exactly what they told me to pay under the terms of the new payment schedule. I caution anyone out there that reads this to STAY AWAY FROM THIS COMPANY. Whatever they are offering you - it's not worth it. I'm sure our credit is getting ruined and I feel like I have absolutely no recourse other than to share my story and hope others don't get trapped in the same nightmare.