I've been trying to rebuild my credit and have had the Tribute card for 2 years. I got a letter stating that they were closing my account but never told me why. At first I thought it was no big deal. I'd pay off the balance and be done with them but I opened my bill to find they are still charging me all the fees and taking 40 dollars out of my account every month and only 10 goes to the actual balance. A balance that I haven't even used! It's all the yearly fees. This can't be legal. read full review »