text: I am on hold with customer service again and this is my first payment I only got this card for my sons use I simply opened a letter with a Credit Card offer and logged in and the card was sent I am not complaining about the fee because that was my mistake but after the first month of usage I started receiving phone calls from East Indians who you can hardly understand asking me for payments over the phone which I NEVER do So I came home attempted to log into my account but could not so I called on a Saturday closed Called Monday and asked about my problems with logging on and was told that my account was locked because my account was temporarily closed because I did not make my paymentnnOk first I was never sent a statement I was not at days since first use of card I could not access to make a payment I could not reach anyone on a weekend to discuss payment optionsnnNow this brings me to this current time as I am typing this I am still on hold after making a payment over the phone and being transferred to the could not understand what they said department but I was hoping to speak to someone that could help with login issues Anyways another East Indian tells me that I cannot access my account until I provide verification from my bank I asked for what and he replied to open my account again I said I do not understand I need to access my account to make payments watch activity etc Again you need to send verification from your bank that you made a payment Again I said huh I just made an over the phone payment when that payment clears will my account unlock so I can access my account online He said not until you mail in your verification from the bank nnSo here is the good part OK I want to close my account He says it is already closed I asked so do you mean to tell me I have no further action to close my account permanently No it is closed I am waiting to speak to a supervisor mins and still holding All in all this is one of those cards that will fee you to death and at any point that you use it they will not send statements lock you out of your account and charge you a fee for overt the phone payment RUN RUN RUN as people saynn Close your account and stop the bleeding Ok mins in and the call was disconnected nnI am going to talk to a supervisor and ensure the account is closed at my request and follow through in a couple of weeks The rough part is I cannot go online to ensure the account was closed you cannot trust the people you talk with I guess I will have to purchase some type of credit monitoring to ensure they did not add some type of fee to close my account for which they will send you no statement no email for this fee that could potentially damage your credit for nonpayment of something you knew nothing about