I lile opitions they give you everything great but sick of tired of making a payment early even on time and i have to wait a week r more b4 im credit you getting your highway robbery % and took money out of my bank in 1 day but go ahead take your time credit the card back of the payment that was made. Im just very fed i won't be negative im about done with it pay off the card and wipe my hands clean no more sweating it i will be better off without it.