I had a GE Money bank Paypal credit card for 1 year. All went well, I paid on time and even paid the account off in full 3 times (proving I have the ability to do so). In January 2009 I began to have problems. First they claimed that my payment was returned. They claimed "no account found" my bank said they never returned anything. At this time they charged me 35.00 for a returned check, which was actually a returned electronic payment. My bank information was saved under payment preferences on the website and never changed. I went in and retyped my info and made another payment. It then happened again! I was charged another 35.00 AND a late fee of 40.00 something dollars. Incredible! I had to mail in a payment to clear the whole thing up. At this point I had spoken to their ridiculous customer service who is completly useless. I think there are a total of three people who do not speak clear english sitting in a room laughing at all of us. I should have closed it then and there! But I didn't and things got worse. I started having my card declined weekly if not more. Not even for large amounts, one charge of 2.38 was declined. This was really embarrassing. I called and they said it was "fraud protection". They would just lock my account whenever they deemed it could be a fraudulent charge. It made me furious on more than one occassion. I would call, they would question me and then unlock the account. Fine enough..I decided I would pay it off and close it as soon as I could. Well one day I noticed that I couldn't redeem my 5, 786 points on the website. I didn't bother calling because it's pointless. that same day I recieved a letter stating that my account had been closed. WHAT? it said after a "review" of my account I had too many dishonered payments and my account was closed. I called..I explained that those dishonered payments were not truly dishonered and that it was something in their system that caused the "no account found". They said that their computer looks for dishonered payments and doesn't care why. So, now my account is closed, fine. BUT now I will have a bad mark on my credit! They said I could report it to the Fair credit report act (which I am ) but other than that..they could do nothing. I am amazed..in these times you would think they would want customers like me who actually pay them. I feel that their practices are fraudulent . My advice to anyone is to stay away. Any company/bank that doesn't have an email address to contact them through is suspicous to me. Both GE money bank and PAYpal credit card websites have no email address for customers. You can only call or write letter. I've never been treated so poorly in my life! If you have this credit card, mail in your payments and make should you keep copies and good records of everything you do with them!