I used to have a credit card with this company. I got the card in college back in 1991 and had it until 1998. They were an absolute nightmare to deal with and I would not recommend them to anyone. I became behind on my payments and they immediately sold my 7 year account with them to an outside collections company without even trying to work with me. It was a nightmare I would not wish on anyone. I would never recommend this company to anyone. They definitely are all about money and numbers and do not care at all for their customers.