GE Money Bank punishes people who PAY ON TIME and have never been late. Be careful everyone, if GE Money Bank controls your credit card for places such as WalMart, if you pay on time, they LOWER your credit limit. Here is what they said "We have changed our strategyand now base your credit limit on your credit report from when you first filed, which for me was over a year ago. One year later my credit score went up over 30 points and they hav decreased my credit limit. I have closed out my WalMart card and Sam's Club membership. read full review »