I just wanted to say thank you for a $5000. credit account 5 years ago and although we used almost the whole $5000 at first. Paid it off and used another couple thousand about three years later, PAID IT OFF then the thanks we got was a canceled account as soon as we paid the last charges off!!! Because you checked our credit and it was not good??? maybe not!!! But we PAID YOU OFF WITHOUT ONE, NOT ONE LATE PAYMENT EVER!!!!! User's recommendation: Don't even try!!!