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Cross Country Bank is a deceitful ripoff company. Boca Raton, Florida
The company is engaged in systematic finance and late payment fees and then to threaten you of destroying your credit record if you don't pay those charges although one has already asked that the account be closed.
They would then say that you agreed to those conditions when you signed up to use their credit card system but I can't find those conditions that I signed and agreed with alledgedly. The Cross Country Bank is a very deceitful company. Don't use them, stay away!