First mid Oct. they provided the incorrect return slip/envelope for payment and sent me a letter stating so and called and if returned to forward in regular envelope which is what I did then they charged me all kinds of late fees and revoked my charging priveleges. So as soon as I got the notice of the revoke, I called and they reversed all the charges/reinstated my privelages. Just checked my credit report and they did report it as negative and they had promised that it was not reported. So now it took my score down and I am not happy. Then get charged for the annual fee and find out via very very vague letter that they discontinued the program and no longer in business when I called that is what I was told and no annual fee reimbursement will be made to me. NEVER AGAIN WILL I DO BUSINESS WITH THEM!!!