Sam's Club

Sam's Club Mastercard automatically charges your card membership fees every year. This year, they charged my card without my knowledge. Furthermore, they double billed me, making a second unauthorized charge. When I complained about it, they offered store credit. If you cancel your card, it damages your credit score. Once you apply for Sam's Club credit, you are trapped. They also charged me a late fee for paying my bill on it's due date, claiming it "took four days to process" an online payment.