Got this card to rebuild my credit after a bankruptcy. Have had it for at least a year. How sad that this means I can be constantly harrassed by email and phone, regardless of IF I HAVE PAID ON TIME. Payment due in a week? Here's an email. Already paid 2 days ago? Their absolutely RUDE representatives will yell and and tell you you are late. I live on the west coast and paid my bill on the due date, during business hours. Well, since they are on the east coast, if I dont pay by 2pm est, they say you pay late! Who else on earth ha... read full review »