This company is charging me 29% interest and will not reduce it. They allowed me to go over my credit limit which then put me in this high rate category. They are charging me $80 a month as a penalty for being over the credit limit. This is a predator and stay away from them. I had to pay them $400 to just get below the line of credit because they had charged me so many late fees. I was just $100 over the line of credit, but because of the way they calculate things, I had to pay $400 to get back to where I was no longer over the credit limit. What a scam! They are owned by Barclay which bought out Providian. This company is known for their scams and predator lending practices I found out.
Stay away from them. It will take me a while to get out of their clutches. These guys are worse than Pay Day loans.
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