I made my payments to Salute Card, even when I opened my account with them and sent them a fee, it took me three weeks before I could even use my card, yet when their interest caused my c.C. To go overlimit, they immediately canceled my credit card. I tried and tried to talk to them, Email them and they refuse to open my account. They did not abide by their terms. I wrote them a letter over 7 months ago disputing my account... You know to this day I have not received an answer, as the law requires. I have disputed them on my credit reports... To this day they have not had the decency to answer me. Beware of answering their pre-approval for a credit card... Go over limit just once... Even if the interest causes you to go overlimit... You will never have credit privileges with Salute ever again.