DO NOT OPEN AN ACCOUNT WITH THIS COMPANY THEY WILL RIP YOU OFF. I CANCELED THIS CARD A YEAR AGO AND JUST RECIVED A BILL FOR 8.25 ANNUAL FEE ALSO SAYING IF I DON'T PAY I WILL RECEIVE A 35.00 LATE FEE. MY HUSBAND AND I ARE IN THE PROCESS OF PURCHANSING A NEW HOME AND DO NOT WANT THIS TO SHOW UP ON OUR CREDIT REPORT AND NON PAYMENT. I REPORTED THIS COMPANY TO THE BETTER BUSINESS BUREAU AND SUGGEST YOU ALL REPOT THEM TOO. MAYBE IF A ENOUGH COMPLAINTS ARE RECEIVED SOMETHING CAN BE DONE. THIS COMPANY IS RIPPING OFF ALOT OF HARD WORKING PEOPLE. PLEASE GO TO THE BETTER BUSINESS BUREAU WEBSITE AND SUBMIT A COMPLAINT ON THIS COMPANY. read full review »