If you don't recognize a transaction, you need credit protection. Gotta pay $2.95 a month. $39 annual fee. One million percent interest and I can't understand their accents. The worst credit card I've had. Think of it this way. It would cost you $72 a year just to own the card, without buying anything. In addition, they charge you $10 to make a payment. Who the hell charges $10 to make a payment to someone. It's predatory lending. They take advantage of people who can't get a credit card