I thought this credit card was great to fix my low crdt score.Well, months later all payments on time and I have paid more than min. asked and I think I have actually paid more than I bargained for. I have been constantly paid for late pmts ($29.00). Even if my pmts were made on time!!! This company is ridiculous! I have closed out this card and countinued to pay-off this HIGH FEES card. I think there should be a law soon in NY to stop these companies from ripping off these people. It has taken me forever to pay this thing off! TIP: If you apply for a credit card or get offered a credit card; Look @ The fine print and make sure it doesn't have HSBC as the company it's coming from.