Every month I make my payment on time give or take a day or so. I just so happened to look back on my statements wondering why my balance is not going down. They have been charging me late charges for no reason. As of January 2011 I am now one month ahead and I received a late charge in the months of November, December, January, February and March. I have emailed them asking them to reimburse these charges and they refused. I also asked them to please lower my rate because of the hard economic times. They said NO! I am now forced to close this account. read full review »