This company is a scam, dishonest, and a complete joke! I've had a card with them for years. I had a $300 limit and without any warning they lowered it to $100 limit. They had no answer why and considering I paid my balance on time each month I couldn't believe this. The woman on the phone was VERY rude when I tried to find out what had happened. I recently read up on the company and found that this happens quite often. I'll never shop here again. Pathetic and disgraceful!