I have had the card for exactly one year this month. NEVER late, NEVER missed a payment. Paid balance in full on two occasions. Made payments for more than the minimum. Today, they closed my account because my credit score dropped because I financed a second vehicle. The drop in score is temporary. What a HORRIFIC company. I made a promise that I would spend every day of my life warning people about them and I intend to keep my promise. They are not helping your credit, they are destroying it. You have been warned....good luck if you go through with it.