Approximately one year ago I took the offer for 0% interest for one year on a balance transfer. Trying to make on line payments have always been a hassle. Three or four months ago there was a glitch in the on line payment and I did not get a confirmation #. It never was credited to my account. I did not find this out till the next billing cycle. Upon speaking with the representative she said there was nothing she could do except take the payment in full and charge me $9.95 for the payment. I also noticed the interest had been raised to 24.24%... read full review »