Stay AWAY! Was a faithful customer, had a promotional balance that I paid faithfully. In january 2009 I checked my account on line. Was SHOCKED to discover that they had upped my minimum payment amount by double. Called to Inquire about it and they said that they did this because "THEY COULD"! Said I had 3 options. Pay the doubled plus payment each month plus a service fee. 2. Accept a higher interest rate for 1 year and then whatever interest rate was going at that time or 3. pay in full. Unbelievable! I have always honored my agreement with them and paid faithfully. I even had them set up on Auto Pay in order to never have a problem with payment. I did ask them if what they were doing to me was LEGAL? They said yes! I was a long standing customer with excellant credit. Very dishonorable business practices. stay away