I recently called about a charge off that is now on my credit report about my owing only $100. When I called one of the representatives about the recent charge off and that I had filed bankruptcy four years ago, that representative only said that the debt of $100 had been overlooked. I thought that all of my debts were included and that every last one of them were to be taken care of. However, that issue has been resolved now! Therefore, there are no complaints at this time! User's recommendation: Don’t allow credit card companies to encourage you to apply for any card! These companies will dry out your pockets! Be careful.