SHADY COMPANY! DO NOT GET THIS CARD! My account has been closed with a zero balance for years. They decided to charge me a payment last month and I called them immediately to request a refund. A month later, no check and I still have a credit in my account for the payment amount. They have been giving me the run around on refunding me. They won’t give you any real confirmation numbers. When asked if they will stop charging me and to stop the auto pay I’m told “you have a zero balance we won’t charge you.” But that’s untrue. I don’t have access to online banking with them so I have no control of anything. I’m at the mercy of customer service. I now have to contact my bank to try and stop them from charging my account anymore!