My college freshman was solicited by this credit card promising to be a good card for a college student because of limits and supposedly would work with the needs of the student. Well I find out about charging $9.00 for an online payment. No credit card that I know of does that. If you do it online it should be free. They seem to have all these excessive hidden charges. Everytime I think my balance should be zero opps they goes an extra charge for something. It is a dangerous card for anyone. read full review »