By far in the 15 years I've had a credit card this is by far the worst company I have ever dealt with. They were charging me 22% APR with an $8.25 monthly service fee and only an $800 limit. I made a deal with them to clear a late fee if I payed it off in full and they did not follow through with there end of the bargain. It was reported to my credit report and I did pay it off in full. They said I would have to dispute it and that is all I could do. Well im glad I canceled this card best move I ever made.