First off this company has been known to rip people off and they have lawsuits coming out the a**. File a complaint with the Federal Trade Commission and Office of Thrift Supervision. I have one of these cards, i was late on a payment by 2 days and was charged a late fee (which i understand) so my account went to -$38 due to the $32 late fee they charged me, well today i went to check my account online and see if they received my payment of $100 that i sent early this week and i noticed my account was now at -$111, how did it go from -$38... read full review »