I never have much luck getting a straight answer out of them card hustlers.Always try and talk me out of something or into something. Go figure? Bad, things have happened to good people here, ive read even though something else entirely different was disscussed over the phone. it's like yes, ill go ahead and take care of that for you, next thing you know, your cr is all fouled up. Ive read so much negatives, im worried they will close account with only 8 dollar fee still showing. But i will call tomarrow, and wish upon a star! Thanks, debtisgood.