I took advantage of the their low 8.9% apr & transferred my high balance cards to this. I also signed up for emails as to when payments were due and if I was approaching my limit. This is where they get you. In a 7 day period I lost $350 in available credit and I didn't even use the card. When I contacted them they said it was because of f/c's. BS this is a scam where they get you to go over your credit limit and then up your rate to 27.9%. Not only am I paying more than the minimum due but my payment has gone up by $25 each month and I am not using the card. After calling to complain and getting nowhere I now feel it is time to file a complaint with the BBB.