I have been a long time customer. I get a letter in the mail, cutting my credit line. I am not late on payment, in fact all i owed them was 5.66, which i paid off today and closed the account. I will never do business with them again. The credit line was not that much .I got credit through another company which is 8 times more credit and lower interest. The letter says they pulled my credit report that is why they did what they did.. said my credit was bad. come on i keep a eye on my credit it is average. User's recommendation: Shop around, there are other no fee cards that offer higher credit with less interest.