I had this card for about two years, just paid it off. Not recommended as this card is designed to make money off persons who have bad credit, so they can hit you with fees. I don't like the outsourcing customer service outside of US, when there is adequate talent pool in Las Vegas looking for work. I asked the US customer rep to talk to CEO about this, she said write him, I asked for his email, she said no, I need to write a letter, who the heck writes letters anymore??