Well, after being an excellent customer for several years now, recently they just took my credit line down several thousand dollars which made my credit score go down by many points. It was very upsetting. I have never been late with them. It took going to the top person after several months trying to get fraudulent charges and interest off my bill. I had written 2 letters-heard back nothing. Finally the lady at the top got it straightened around. It was 2-3 months before I got back all the interest due me, but she got it straightened out, finally. I think they are ticked because I have made no new charges for several billing periods. I want to get their card payed off, as it is my highest interest card.