This credit card company is the most deceitful I have ever seen! When I called to close my account, the Customer Service Rep said there would be no account closure fees while I was paying off the balance. I asked him 3 different times, and the answer was always a resounding "no." Got my statement and to my surprise I noticed there was a "closed account maintenance fee of $3.00." I immediately called and got the rudest CSR who said there was nothing he could do about it. I asked to speak to a supervisor and he was even worse!!! I explained what I was told the first time around and he said "We record every call and we will look into it." I asked if that meant they would get back to me or if I should call them back, to which his response was, "No, don't bother because we are not going to do anything about it." He was basically insinuating that I was a liar, but I remember nearly every word of my original conversation. Their customer service is absoltuely deplorable (not to mention you are talking with CSRs in an overseas call center). My advise is to avoid this company at all costs, unless you feel a compelling need to be a sado-masochist!!!