When I received the application in the mail for our small business, and inquired about it, it was presented to me as a standard gas credit card. Which it is NOT! If you do not pay the invoices bimonthly, no grace period, and if you do a payment online and it it after 3 pm, they charge unthought of service/late fees. To the turn of $120.00-$160.00. Yes that was the fee!!!!! Unfriendly customer service, and absolutely no people skills.