Since it outsourced to Malaysia, the services are terrible now. They don't care about customer requests and didn't reply the email. The first credit card company refused to waive off the late charge just only $94.34 as I didn't receive the paper bill statement and used the wrong card. Owe them $129.00 but charge me so high interest. I asked them to check my records I always paid the bill on time. They don't even bother. Vomiting blood to waste my time to deal with all lazy, inefficient staffs! I not even want to rate a star for them but the system requested. Zero star for American Express