Missleading the Consumer to get the Credit line they offer, , you make payments on time Every month, Not late, so you can accumulate points, when they review the account, the NEVER take into consideration your payment history only points by an outside credit agency. Also the Points towards merchandise your suppose to get is Canceled when they cancel you.. obviousely they don't want to live up to what they Promiss the Ignorant consumer, they are out for themselve's to hell with the Consumer. read full review »