This is THE worst credit card company I have ever dealt with! I made a payment in error to an account that had been closed for 3 months. It was very obvious that it was a mistake, but instead of calling me, they applied the payment to another credit card without asking me first. They refuse to refund me the payment. They are rude, disrespectful and of no help at all! Their customer service is just TERRIBLE! DON'T APPLY FOR THEIR CARDS unless you want unecessary headaches. They are dishonest and grab any money they can from their customers. Will pay everything off and close all cards with them.