I started a credit card (Visa) with Salute Card Services in April of 2008. I ALWAYS paid my account in full on time or even BEFORE the due dates! I lost my job in September 2008 and I fell behind for a couple of months. Well, take that back, I paid a "little" late in November & December. Then I realized that I had almost $200 in fraudulent charges on my account in January. Since January I have been paying way over the minimum as well as I was able to get the credit back to my account for the fraudulent charges. I just received a... read full review »