I naively got a credit card from this bank at the Express clothing store ten years ago. Never have I met with such rudeness. My balance was 60$. I was late paying because I didn’t get the statement so they tagged on a $20 late charge. I asked them to take it off, they didn't do so. I did paid the balance but they kept tagging late charge after late charge until the total was $260. I agreed to settle for $145 finally but they still report it as a loss or "charge off" on my credit report instead of "closed settlement"... read full review »