They don’t deserve 1 star. First of all, I never get customer service in the states, which makes it doubly hard and lengthy to converse. I stopped using my card in February when it expired and did not use my new card. For the first time ever they continued to accept charges made to this expired card. When I realized it was still active, I cancelled it. But fraudulent charges have come in since then. I supposedly got fraud alert, and I believe they finally cancelled my card but in order for me to get a refund of the fraudulent charges they said they had to open a new account, investigate and turn in a couple of cycles they could refund the money. That is crazy. They should just mail me the refund. I hate to have anything more to do with them. They operate like one giant spam.