SST bought my Washington Mutual Card. I already have an account with SSN because they bought my Providian card two years ago. The service is so horrible that as soon as I found out that they took over my WAMU card I paid off the balance. A month later I received a statement with a $4.00 finance charge. I couldn't believe it. I called them and they explained that the finance charge was back-billed!? The guy threatened to send my account to collections if I don't pay. What make this situation ridiculous is that if I pay online, their online system doesn't except payments that are less than $5.00. If I agree to pay by phone they charge $10.00 to do it. The only option I have is to mail them this payment that I don't think I even legally owe. Oh, and one more ridiculous thing, if you pay online more than $200, they will hold your payment before crediting your account for 10 days! Their customer service is rude and it's hard to get to anyone there. The best way to get to SST is to call [protected] and choose the option that says your card was stolen. They will get to right away. Then ask for a transfer to customer service. For every one else whose account was transfered to SST Card Services Run from this company. Close your account. Don't activate your new card, and just stay away from this dirty company.