I opened an account with this company years ago at a time in my life when I did not have the best credit. They offered me a secured card wherein I would have to make a deposit to get a credit line. After working on my credit and getting to a place where I no longer needed this card which charges extravagant fees to maintain, I opted to pay it in full and just leave it alone. However, I began receiving bills thereafter with a charge due for "maintaining my account". So, I of course called them and low and behold they offered me a "no charge" maintenance fee to keep my account open with them. I love how credit card companies in general continue to rip off the consumer until we make a call to them. They would have done nothing but let me pay month after month had I not called. So I requested that they send back my security deposit. I find it so disinheartening that they are so quick to harass me for a maintenance fee but when I want MY money back that they have been holding they take their sweet time. I was told last month that my refund would be in the mail to me within 7 days. Still had not received and it's been a month. So today I called and was told the same - how can these companies get away with these pratices. I will check back and let you know if and when I do ever receive my refund - and I was told that even though they held my funds for over three years it earned no interest. But I sure paid their interest charges. I am so proud of myself for getting my credit in order so that I don't have to deal with these shady companies any longer.