Nextcard services is sooo frustrating. I have had the card in consolidation program and it should have been paid off, but they sent me a letter saying I owe $2.74. I sent them a check and again this month they still say I owe the money. I cannot find a number to speak to a person. I cannot get the automated services to work and I will not continue to send them 2.74 without finding out what in the world is going on. I plan on reporting them to the better business!!