text: Yes it is.Read the fine print in the literature they sent you when you got the card. You where warned then, and by using the card, you accepted the terms.\nOwe too much? sell something. \nAnd remember, the best way to avoid this is to only buy something you can afford. Want it but don't have the money? Save up. Credit is hard to keep good, but so very important.\nMuch luck.\nLong Live Jambi.