I opted to apply for a next card visa in 1998. I had a great account with them until about 10/2001. I had received a letter stating that my card would no longer work as the company had gone under and I was to immediatly pay my balance. I had paid it, sent it off and it promptly returned to me, uncashed. When I called the company's phone number on their website, i got an answering machine. I never got a call back. I called many times to see where I could send my check to pay off my balance. I never got a response. At the time I was moving... read full review »