We have a credit card with this company under the Kroger 1 2 3 program. After they added the interest last month it pushed the amount over by 79 cents. They added a service fee of $39. We wrote a letter to them to tell them how tacky they were. They called us and said they would remove the $39.00. They are talking to a senior of 79 years. I have not had any problem with any of my cards so when they told me they were going to remove it I just deducted it from my payment. They did not let me know not to do that. I do not understand a lot of these things so I feel they are taking advantage of my age. By me not paying the $89 it made me over again so they charge me another fee. Now they want $109 by the 5th of Nov. I am not able to take care of a $100 extra when my medicine is around $300 a month. I also work so if I just refuse to pay this they will garnish my pay. We have talked with several of the customer service but they are just goons trying to get your money one way or the other. It is a shame that they do not have the courtesy to explain to a person the way they remove the penalty. I don't think they want to.