This card was suppose to be design to help pay for medical expenses. They are a RIP OFF. my monthly min. due is 123.00, they charge me over 100.00 a month in interest for a 4, 000.00 bill. This is an onging thing that you can never pay them off. They include a phone number on the statement to help you pay your bill through consolidtion. Once you sign with their choice of colidation, they refuse to accept it and then they chage you late fees for sending in the amount the consolidator ask...Then they have people to harrass you from 8am to... read full review »