I have had this credit card account for over 2 years, making payments faithfully each month, maybe a few days late once or twice. Somehow, I misplaced a payment that I had written out (I was moving from my home at the time) and I ended up a couple weeks late. Someone who was from SST called me and verbally harassed me to the point where I was emotionally upset.. he made judgments on my character, and made inferences that I was trying to get away with not paying my credit card. I informed him that I was going to transfer my balance since the customer service I was getting was so poor and he said "when are you gonna do it" "you better pay it off". I was in shock. Since then, I did transfer my balance and close my account.. I have never been treated that way by a credit card company and have told all my friends and family to steer clear of that one!!!