I, like many others, fell victim to this company's over-the-limit and late fee scam. I had a speigal card for several years, made EVERY payment on time and never had a problem.
Then I received a letter saying my credit had been cancelled and the terms of my agreement were changing if I didn't return the letter. I did, but they changed the terms anyway. I only had about $100 left on the card. They stopped sending notices, charged me late fees every month even though I sent several payments 14 DAYS in advance of the due date. I wound up paying a lot more than I owed and still have a $543 bad debt on my credit report (all fraudulent late & over-limit fees). They even changed where I was supposed to send my payment to and never notified me!
To all the others who scammed by these frauds if you go to the US Goverment website and then go to the Comptroller of Curreny Dept. You can find an agreement these criminals signed saying they will reimburse the fradulent fees and remove the item from your credit report. Hope you have better luck than I did - they didn't remove mine even though I requested it. Next stop state attorney general.
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