I had a balance and then paid it off. I had very minimal charges to my Tribute acoount. I then went on vacation, went to use the card and it was continuosly declined. This was over a holiday weekend so this took over a week and several calls to them to get this fixed. I noticed that they have raised there monthly maintennance fee from $6.50 to $10 per month. This is in additional of an annual fee. I will be cancelling this card as soon as I pay it off again. These guys just want to milk you dry. read full review »