I WOULD GIVE THEM 0 STARS IF I COULD. WORST COMPANY EVER. DO NOT OPEN AN ACCOUNT WITH THEM. VERY VERY POOR CUSTOMER SERVICE. I'VE BEEN GOING THROUGH A COMPLAINT WITH THEM SINCE OCTOBER, AND THEY'VE DONE NOTHING BUT AFFECT MY CREDIT. THEY PASS YOU ON FROM DEPARTMENT TO DEPARTMENT, WHO FEED YOU WITH LIES AND FALSE PROMISES. I REGRET OPENING AN ACCOUNT WITH THEM. I WILL CONTINUE TO POST THIS ON EVERY REVIEW SITE, MAYBE THIS WILL GET THEIR ATTENTION.