Just got a call yesterday about a payment being "returned" to them. Only my account doesn't show that. What is shows is a payment recieved, and two months worth of fees and dues that I wasn't told about. They also said that they wouldn't send me an ITEMIZED statement and that the statement I'd been recieving was the only one I'd get. I looked them up online and found out that after 8 months when you're supposed to get a better interest rate, everyone has been having their card cancelled instead. Guess what came in the mail for me today? A cancellation letter!!! So they set up a payment on the 21st, AFTER my card has already been cancelled! This company is just out to make as much as they can before they mess you up more.