I cancelled this card over a year ago, I do not owe this company, they have contacted equifax, experian, TransUnion with my having a balance over 120 days over due. I have not charged anything, I do not have a card. They have ruined my credit. This company is using fraudulent charges. This card was cancelled over a year ago, I have talked to and e-mailed this company that I was cancelling the card to no avail. read full review »