I called concerning my forever changing minimum payment. I went from customer service to collections and the bucked stopped with them. I was never late on this acct and closed myself. I called on 8/3 to see if my interest could be adjusted. These peoplr rely on a computer model to respond to customers and basically they are no help. I am seriously considering stop paying and deal with their collections dept when the time come. This company will not budge for any reason. They refer you to your local consumer credit counseling service as if we don't already know where to go. Beware of those credit card companies that give you a higher credit limit over anybody else. Mines was $5k and that was a trap. My prev stmt bal last month after making a payment has a new higher balance this mo.