They charge $10.95 monthly fee plus $6.95 to pay online. If you are late the charge is $35.00 the over the limit charge is $35.00. they cashed my check for $8.00 instead of $80.00 so they charged me $35.00 late fee as well as a $35.00 over the limit fee. They told me they cannot refund charges you have to submit in writing a complaint but until then you have to pay your monthly bill plus your late/over the limit fees or you will be charged the next month $35.00 late and $35.00 over the limit. If the dispute is in your favor they will refund the fees bu need to pay them because a dispute can take 10 business days. I would steer clear of this credit card scammer.