I held their credit card for over 15 years. I always paid them even through extended periods of unemployment. In june of last year they raised me to 32% interest not because of non-payment but because I was only sending a little over the minimum. When I tried to negiotiate with them, they were nasty, condescending and disgusting. I tried several times. I even proposed that they should close the card and put me back to my original interest rate and I would pay them. They told me there was no room for negotiation. I did not pay them for one... read full review »