They are quick to take your money and slower than snail snot at resolving account questions. You can never get through on the phone and when you send them a letter, their response is a canned response that a 2 year old must have written. I closed my account. I never had one cent worth of interest charged. They limit the # of payments you can make a month. They also do not report, but once a month and that is generally wrong. I even cut my card up and sent it back with my account closing request, and they took 2 weeks to close the account and sent a letter stating that there may be up to a 10 week delay on getting my secured deposit back. I would not recommend them to anyone.