Amazon has always been great, used my own credit cards and bank cards. I closed most of my accounts and applied for an Amazon store card thinking it was directly from them. No it's not. it's from a loan shark second rate bank that is as close to loan sharking you can get. How is this legal? They make their own system failures and make it impossible to make your payments on time. Then hit your credit in a second, charge you a late fee and jack your rates. CROOKS!!! Amazon should be ashamed, do you not read the blogs about these folks on your own site? Losing trust in the fact you use companies like this, worried about doing business here all together.