HORRIBLE! Expect to be treated without regardto being a person, being lied to and charged the maximum fee legally allowed...similar to bank of America. I was a long standing customer and simply allowed them to charge my card, but when my card expired and I tried to give them another they told me it also not good (which was wrong and their mistake). I was told just to call them when I receive my new card and it was no big deal even though I told them I may not have it for a while because it was going to my address which I rarely visit because I work in Blue Springs and stay with my girlfriend 99% of the time. When I finally received my credit card and called them, they had charged the maximum amount allowed by law! When I explained the situation they took no responsibility and would only remove 20$ and weren't even sympathetic (owner included). They kept telling me they sent letters and it's my fault and that's all they could do..even though I told them I don't check or use paper mail!