I paid about 150 into this card to even get it. They then also charged 19.00 every month as a maintenance fee. I was NEVER late. I always paid the WHOLE balance due each month. And they just sent a letter stating they are closing it. I called they said they had the right at any time. I said do you have the right after 5 mos to take all that money you asked for to set it up, you just up'ed my credit limit 2 weeks ago, and now you say you can't give me a reason? DO not sign up for this card. They will take your money and they will close you after a few months w/o any reason. read full review »