This company sent letter prior to the credit card law changing and stated that since my credit card limit was exceeded from my other credit cards, they were closing my account. I had paid this company every month over the amount I was required to pay them and still they sent this letter. I would not do business again with this company or any other company that finds excuses to close your account and then make it like I am the irresponsible person giving cause for them to close my account. None of the other credit card companies that I had exceeded my credit limit on closed my account but yet this company that I had not exceeded the credit limit on my account found it a reason to close my account. I hope this company goes under and any other company that does wrong to their customers.