They cancel your card when you miss one payment and you are not notified until you try to use the card. When you call in that is when they tell you. I believe everyone should have more than one chance before they are totally cancelled. The credit limit is only $300.00 and they charge more than half that amount with all the fees before you can even use it. How is this giving a person another chance at establishing credit again if you yank the rug from under them right away?