They are trying to charge early for $54 when 2014 isn't over and they said I have 13 mts for paying late into 2014 it was either Feb or March when I paid for 2014, I will not pay early when 13 mts isn't over so this is credit xcard fraud! I sent them a letter they still charged me, I sent them another letter stsating I will not pay early for 2015 when 2014 isn't over and this is credit card fraud if they use it again! I hqave 13 mts and I expect to get those 13 mts before paying 2015! They now have to watched on this situation...