I would AVOID this company at all costs!!! I have been a fabulous customer for a few years never missed a payment ALWAYS paid on time and above the minimum payment and like others have said on here they have increased the interest on the account and unbelievably increased the credit limit too! As others have said I won’t be shopping again with studio will be paying off the account and going elsewhere ! This company looks like they could be in trouble if they can afford to lose so many good paying customers as it seems they have done it to lots of there customers! I am financially stable and have never had this before with any of my creditors alarm bells are ringing with me with this company!!!