THIS COMPANY IS A RIPOFF. THEY SEND YOU A BILL AND ALLOW ONLY 13 DAYS FROM THE BILLING DATE TO THE DUE DATE. SO IF YOU ALLOW FOR MAIL TIME, YOU MIGHT HAVE ONLY A FEW DAYS TO PAY THE BILL BEFORE THE CHARGE YOU $75 LATE FEE. THEY CLAIM NOT TO BE A MASTER CARD (WHICH MY OTHER CARDS ALLOW 30 DAYS) YET THE CARD HAS MASTER CARD ON IT. THEIR CUSTOMER SERVICE PEOPLE ALL HAVE TERRRIBLE, UNHELPFUL ATTITUDES. THE OTHER REPORTS I HAVE READ ARE ALL TRUE TO MY EXPEREINCE AS WELL. DO YOURSELF A HUGE FAVOR AND DO NOT GET THEIR CARD. I WAS CHARGED $75 LATE FEE ON A $60 BALANCE. I HAVE YET TO SEE ANY REIMUBURSEMENT OR DISCOUNT AS THE CARD IS ADVERTISED. THESE PEOPLE ARE DECIETFUL AND WILL RIP YOU OFF