After being with this company for a number of years, my credit card was cancelled without any notification. Other than trying to use my card at the pump. Now I had $900 available credit. And I had over paid them $1100 or $1700 I can not remember which. I called their customer service and was told that my credit score had dropped. And could not change it. Now if I am not mistaken your score may drop if you start to repair it, but still I was not behind in any payment with them, I was over paid.