I had only had the credit card for approximately 1 1/2 years before the company closed their accounts. My $400 balance went over the limit by a few cents and I was charged with and over the limit fee $35.00. I was charged over and over, the same over the limit fee when the account was only over the limit because of the previous over the limit fee that was billed. This company was specifically designed to help those with credit problems, but it actually helped us get back "into" the problems we were trying to leave behind. This card was a disgrace and the company deserves all the criticism it gets.
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