This credit card is a rip off. Even when you have a zero balance, they charge a monthly annual fee (not sure how they can justify calling it an annual fee when it is billed monthly), then when you don't realize you have a balance, they charge you a late fee. It's always foreigners that call you and foreigners when you call them. Then when I called to cancel, they wanted to give me credit back for some of the charges and late fees and offer 3 months no monthly annual fees. I said NO WAY - too little, too late! I don't want to remember to call back to cancel in 3 months, I want to cancel now! After about 6 times of me saying that and the lady on the other end making offers I FINALLY got it cancelled!! Do yourself a favor and NEVER let them give you a card!!