they wont be around for to long with there bad costumer services! i just got my card and already closed it within minutes of being treated rude! and I'm not going to pay! to pay my bill! never heard of that lol. they have and i mean the worst costumer services! i just got approved n the 7 of dec and got my card in the mail a few days ago and i activated i went use my card and it was declined. so i called your 1800 number and and was told bye one of your costumer services rep with no skills my card was closed because its been 28 days since i got. it is dec 21 i didn't even get approved 28 ago so for this inconvenience i asked her if she can waive the 75$ fee and she told me NO! in a rude voice and ask me to take care! and hung up before i had a chance to say anything lol so if they offer services like this i dont want it its bad enough its people from india answering the phones but they should be better trained!