I recently got a card from this company. I paid off all charges for the month and they have not given me back credit for it. It was my first payment. I do not want to pay credit fees and felt I was being responsible using credit. They are penalizing me. I would not recommend this card to anyone.I sent email to the customer service Indian named customer service people and they were unresponsive.Don't get a card from this company. it is a waste of your time. They require a yearly fee right off the bat. I am pissed. read full review »