They said u'll pay a different payment of the yearly fee. It said u would pay $8 a month until u pay it off instead you have to pay $30 the first month then $8 a month. A yearly fee is stupid which I think someone shouldn't have to pay a yearly charge especially when they pay a APR on the credit card. The only reason I have it is to build my credit up. They also charge u $5 to make a express payment to have instant credit instead of waiting 7 days. This card seems money hungry unlike others