This company was told that I was going to be in Europe for a month and so I asked how I should pay my bill... no definitive answer. Came back to late charges, finance charges (for two months) and then also foreign exchange charges... I have been a customer for years, they acknowledged that I had called them in reference to my trip, they did not care that I pay my bills each month, always 1.5K a month or more. There is no way to even contact anyone. You get a person at the end of the phone, who doesn't know very much, but they don't care. So my card is now closed, now to close my business account. No wonder you can't contact them... supposedly someone called Sue Larsen is the person to contact... all I could find with that name was a leader of transvestites. Money in that too probably.