The card had terrible service and i closed my account with them bringing it to zero. After i closed my account this card charged me with $10 autopayment. I found this three months later, by that time they added $50 late fees and changes. My numerous attempts to resolve this case by phone and in writing were useless. Service was not improved. They insisted that i have to pay all the charges they produced. I insisted that because of their fault it will be more than fair that i pay only $10. The case is not resolved and they maliciously destroyed my perfect credit history and continue to harass me by mail and emails. User's recommendation: Avoid this card by any means.