Household Bank or HSBC. I have been a customer for over 5 years and spent thousands of dollars. I have never missed a payment or been late on a payment. I called and asked them to waive the $39.00 annual fee charge and they refused. They said it was impossible. So i asked them, they would rather lose my business over 39.00 and they said there was nothing they could do. So i closed my account. There are plenty of other cards at much lower interest rates, i suggest you go elsewhere. Henry