I never write reviews but this got me. I had 2 fraudulent charges on my Gemini credit card from an unrecognized merchant. When I tried to dispute the charges I was double-charged by Gemini claiming it was "interests" added on. So basically I'm being charged $85 from NOTHING and then another $85 from Gemini. I'm down $170 for doing NOTHING. The customer service is a joke. These people are criminals and need to be sued.