I have not used a credit card for over five years in which I made a $200 purchase. Since then, I have made monthly payments on and off. For over a year, I have not worked and have continued to ask the company to close the account so that it does not accumulated the over the limit fee(which came from the company adding fees each month) and the late fee. I have asked that we agree on a rate mainly because the account has been closed and not active for over five years. The company insist on keeping the account open so that they can continue to add late fees and over the limit fees. The account is up to $700.00 now. read full review »