I have had this card over a year. Never had a balnace. Then after studying online seems I need a small balance & to pay it off to further improve my credit scores. So I did. when I paid it off in 2 monthly payments i paid it off by the balance it said online "" current amount due pay in full"" I paid that amount then received a bill for $2.49 , I emaild and got a message back to call them. I called them and spent 20 minutes on hold. The representative didnt want to seem to listen to me he just said you owe us $2.49 , I said fine just cancel this card he said fine & did. Never will I recommend this company. Rude representative and will treat you like dirt over $2.49.