This company is a RIP OFF. I got a card that had a 12 month promo period (no interest for one year) no problem needed fast car repairs. Well here we are at the year end last day of the promo period to find out that they have been charging me the whole time a finance charge in the same amount of the so called deferred interest rate. Claiming there where late payments on the account (not turn what so ever) they can mail me the information. Thinking this is about to be paid off just to get hit with an additional $116.35. read full review »