WORST credit card I have. Used once for a car repair (380.00). Hard to pay. I pay with my prepaid SS debit card every bill I have. 100% on time pay history on credit reports. Can’t setup online- won’t accept without a banking route & account #. Calling in does not give debit card option, have to reach a CSR to do. That’s a $4.99 charge to so over the phone. And they are not a 24/7; 7 days a week service. They also charge another fee for paper billing. I believe thats $3.00. And you’re automatically signed up for a paper bill. You have to opted out. Reread the paper agreement and no where does it identify these fees. Last pymnt was late due to not being able to phone in pymnt (not business days/hrs). Received text from “collector” 8 days after due date( I forgot). Immediately called CSR & made pymnt along with that $4.99 charge. Received notification from Equifax my credit limit was decreased by $500.00. For missing ONE on time pymnt in under a 30 day limit which is how pymnts are reported. Ridiculous company. Shady, underhanded BS. Paying off and that will be the end of that card. Do NOT recommend
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