I got this card to help me get credit. They have a monthly fee of $10 but I though oh well $10 thats not bad to help me establish credit. Well I used the card and maxed it out but was going to make a payment the next day but the place I was at didn't take cash. Well they decided to charge me the $10 2 weeks early so that now I was over my limit and they can charge me $32 for being over. I called them and asked them to waive it and I was told that it would cost me $25 for them to go and look at my account to see if they were able to credit me. Well of course I refused that would defeat the purpose. I asked about increasing my limit with them and they said it would cost me $100 to get a $200 increase. What kinda company does this. I have since sent them my final payment and will be canceling this card.