They wanted me to pay for my not having the money to pay off my credit card account even though I had protection on the account after I lost my job it was supposed to be paided off by them and they lied about that too their credit cards are a huge scam the interest rate was supposed to be 0.00% for a year then they gave me 24.99% for the rest of the year. I would never recommend them to anyone at all now ever.