Where do I start? First of all, by the time you receive the card in the mail they have already tacked on almost $225 worth of senseless fees. Then when you make your monthly payment only 50% goes towards the principal balance because they have more monthly senseless fees and this is what really pissed me off- when you pay your bill they hold your payment for 7 days! It only takes 1 -2 days for the payment to clear my bank every month and up until this month they used to allow conference calls with your bank to confirm that the payment had... read full review »