One of the worst experiences, if not the worst, for credit card! Consumer beware: 1) Charge high annual fees $140 and rigid to waive late charges $50 (can only waive once in 12 months) 2) Difficult to cancel card 1st time - called 24-hour service hotline, officer said cannot, will ask relevant dept to call back but no call-back 2nd time - called to cancel, officer said ok but must settle all outstanding fees including late charges / annual fee etc. Fees settled and card cut. But after some time, still received bill and later charge... read full review »