2004 I took out a sams membership and it's credit card. I used it for a major purchase and then paid it off. Never used it again. A year later, after relocating to another state, the sams membership auto renewed, and charged that renewal to my card ( unknown to me) ...Some months later, I discovered that hey had reported me to the credit bureaus as delinquent and a charge off -- I did get the charges removed, and discontinued membership, but 4 and 5 years later, it is still haunting my credit record. they are unscrupulous crooks and liars. I will never do business with GE Money Bank, or Sams clubs again as a result of this.