I found there was annual fee $45 when I received the card, so I tried to cancel it.
But the agent offered me he will waive the fee once it is posted to my account, and asked me call him back later with bonus $100 credit increase.
When the statement came in, the agent now claimed the fee won't be waived the fee since I had chosen the option of credit increase instead of fee waive.
That is ridiculous. It is a scam, and dishonest practice.
Really bad company. Please avoid this credit card!!