This company has recently switched to an America based call center. this is the one highlight I can mention. they were incredibly nice but unable to help in any way. 2 fraudulent charges were made on my card for minor amounts. I emailed in my complaint and then called to verify. when calling I was informed that they would have to block my account for 7 to 10 days and send me a new card. I said no it. simply did not have time for that. forget the claim. 2 days later my card was declined. this was because the claim had just now gone through. at about 4 mind you. I then called to have it unblocked ect. the only response they could give me was wait the 7 to 10 days or pay $25 to have it in 3 days. so I no have to pay $25 to fix their mistake. fantastic. wonderful women working in their call center but terrible policy. this company will do anything to nickel and dime money out of you! do not waste your money. many other companys offer the same service with out the run around.