I knew this was a bad company when I got my card. One look at their website and you get the feeling something is not right. There is no toll free number to call for one thing. The website itself, looks like it was designed as a middle school project. Do not, for any reason, sign up for one of their credit cards. I was one day late paying my bill. I have never been late to pay. My payments have always been early and I make a payment every month that is substantially more than the min. payment. So as a result of my one day late payment, my APR... read full review »