stupid bank sent me to collection when I made my payment and the balance is 0.00 still they sent me to collection and I have 5 months trying to fix this situation and employees so !@#$$% do not know what they say nor are they qualified for customer service client, you speak and you can hear chickens, cows and sheep like they are on a farm that is if you count the employees !@#$% with a middle eastern accent they are not understood at all this bank ruined my credit but I will report them to the consumer financial protection bureau I have spoken with supervisors I have sent copies from my bank where it says that they have already been paid even a check they sent me when I closed the stupid account they have given me case numbers to follow up on the problem another day! !#$^&&$ employees do not find these cases people never get a credit card with this bank it's crap 2 times I used it $216.81 they sent my credit to hell