Their charges net them in the 1000@ apr range. Old card, been paying off balance for a while. No late charges, no phone calls. Just liquidating the balance (I thought).in the last twelve months I have paid them roughly 30.00 per month (about 360.00) last 12 months. They take a 10.00 late fee first (although payment not late) then chg. 27%. My 100.00 balance is now 89.00 after 12 30 dollar payments. They ignored correspondence via mail for months. After spending two hours on the phone with them today, I got through to a human who reluctantly told me how the game works. I told her to go look in the mirror. That is immoral and probably illegal.
Claude Horne
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