i was stupid enough to accept their credit card. i used the card, did not receive a statement. i called them to inquire about when the payment would be due. i was told it was already late, so i made a payment by phone. i was charged $15 for the transaction. again, no statement so i mailed one. i did NOT use the card for a month, but was hit with late payments, over limit payments and processing charges. i paid off the card, wrote down the time and the person i spoke to. the lady told me the card was closed at 1341pm..yet, a month later i... read full review »