A few months ago I applied for this credit card in hopes of rebuilding my credit. Although I knew about the initial fees, I did not realize their unethical methods of charging late fees on your account. When I first activated the card, I was contacted by a very rude employee asking that I make a payment. This was of course two weeks before my scheduled due date. After I made the payment, I was told that my payments are due on the 15th each month. Well, after making my next payment on time I realized I had been charged a late fee... read full review »