After an emergency I needed to close my self credit card and savings account. I called the customer service number and closed the account. I was told I would receive my refund check within 7 days. Now 3 weeks later my account is still not closed and my credit card is showing past due and has been reported to all 3 credit bureaus. Their call center is not in the Untied States so their is nothing they can do. Run don't walk use any other credit builder program but this one.