This is the most nefarious credit card ever. They are the most unethical and should be put out of business. I paid off the card in full at $1297.39. The next bill was $25.54 which was a finance charge. I called them. Little did I know I was assessed interest 1 month behind! I called them and then had to pay $10 in addition in order to pay in full and close the card otherwise I would have received another bill. I could not pay on the internet which takes 2 days to process while the phone does not. None of this was disclosed or in fine print as Providian sold me to them. This company should be shut down immediately.