This company is a real nightmare!!! I try to see if they will help me to reduce the remaining balance and see if I can pay it at least half of it and close the account completly. Well they really do not care about anyone at all, and also they CHARGE FEES FOR MAKING PAYMENTS ON LINE OR BY PHONE...ABSOLUTELY AMAZING... THIS IS THE WORST CARD EVER, SO PLEASE DO NOT LET THEM ABUSE OF YOUR GOOD INTENTIONS, BECAUSE THEY STEAL FROM YOU ALL... This kind of card, SHOULD NOT BE ALLOWED AT ALL... People are also very unpolite to you... They need to CLOSE THEM, BECAUSE THEY STEAL MONEY FROM YOU AND THEY DON'T REALLY WANT TO WORK WITH YOU AT ALL!!! read full review »