This is the most unbelievably unfair and worst Credit Card I have EVER owned. After getting frustrated with their constant reminders about payments due (I have never missed a payment (ever)) so I don't have any idea why they were always so pesky), I paid off the card after several months of carrying a balance, I called and got the pay-off, and paid EXACTLY what was owed, they then waited two months and called me at 8:00 on a Sunday morning, left a message . I called and they claimed I had a unpaid balance because of interest charges which occurred and had not been on the statement????????? I reluctantly paid the "interest charge" because i was had grown tired of being placed on hold on and off for almost an hour, and my time became more important than the "hidden" interest charges they claimed were owed- THEN they had the gall to tell me there would be a fee to pay with a debit card????????? I paid via checking account, and CLOSED THE ACCOUNT. If you have this card, UNLESS YOU ARE PREPARED TO READ ALL THE FINE PRINT AND HAVE HOURS ON HAND FOR ANY DISPUTE you should too! THIEVES!!!

After repeated calls to complain about not getting a statement in the mail and getting a $29 late charge as a result of not paying the $15 amount due on time and talking to "robots" who just keep repeating the same thing and not even acknowledging what you are asking, I tried email. The first one was ignored. I finally got a response but they didn't respond to my request to waive the late fee. Finally, on the third email, they tell me the late fee was assigned properly and will not be waived. I have never been late on a payment with this card and have always paid all statements in full. These people don't care about the customer at all, they only want to squeeze every cent they can out of you. I will never use this card again.