Don’t ever apply for a credit card through Sally Beauty. They use COMENITY Bank/Financial and it is nothing but a scam. My first statement came in the mail, I wrote out a check and mailed it well in advance of the due date. Unknown to me the payment must have gotten lost in the mail??? Or did it??? IT FINALLY CLEARED THEIR SYSTEM JUST A FEW DAYS BEFORE I RECEIVED MY NEXT STATEMENT. Needless to say I was charged the full percentage rate for a late fee. So I went to the local store to make the late fee payment and then came home and immediately canceled the card. Now I have received a statement telling me I have another $3 fee, this time for an interest charge. When will it end? I have gotten NO help from customer service, they have made absolutely no offer to wave any charges, you would think they would make some effort to be of assistance.