Watch for this company WWW.ShoppersDiscount.com. Why with so many complaints is this still going on? This company is scamming people, I paid $10.00 a month for 14 months before I noticed. I never use this card, I was just making monthly payments to pay it off. Now it is paid off and I got a statment with a $10.00 charge. I called and they said they would credit my account $140.00 in 3-5 days. We wll see. BEWARE!!!