I work for this company... hahahaha :)

http://www.ripoffreport.com/reports/0/174/RipOff0174822.htm

What's sad is that I have to put up with this every day. People like this call me and yell about the fees and before I can even ask them if they would like to close the account they hang up and never call again hoping that things will fix themselves. Also, if she would have taken the time to ask, she would have found out that by faxing her husband's orders to us we would have lowered the APR to 6% from its 18.9% and freeze all purchases before the activation of orders. But they would rather yell. And I'm not stereotyping all of our half a million accounts into this. But there is a reason this woman is getting this offer, she is ill-educated, as can be seen from their typing form and lack of grammar skills. So, do I feel bad that she is still getting bills with late fees from us? Not really, especially since she's probably closing in on that 120 days delinquency when we'll just charge the account off anyway. If she took the time to be even halfway polite to a representative on the phone, her account would be closed, all fees waived and she wouldn't have terrible reports on her credit that I will no doubt have to go through, verify and send back to the credit bureaus as true that she owes the money and that the account was charged off. ugh! my life.