Thanks, but no thanks.
As with others, I only give a rating of one star because it won’t allow 0 stars! I used the Ultimate card only 3 times; the first two times I paid in full when statement was received, as I do with all my bills. I didn't receive a statement the third time, but by the time I realized this, they already charged me a $27 late fee AND $2 interest. On a $41 purchase! I thought it would be a simple thing to call and explain I had not received the statement, but that I’d pay it immediately, could they refund the fee, which was over half what I’d purchased! Now, I’m plenty old enough that I’ve had many cc’s in my time and I have an excellent credit rating. Not because i’m perfect, but because the cc companies I’ve dealt with before were reasonable and cared about their customers. But not this company; they don’t care. Not about me and not about you. Their representatives have been given their script and their $15 credit or refund or.....what the heck is that anyway?....that they can offer to appease you. I guess that other $12 is important enough to lose clients over. I’ve earned that excellent credit rating and they’re going to mar it over one mistake. And for what? $12? And BTW, those commenters who think that their “good” reviews need to trash everyone posting a bad review, by saying they’re all delinquent payers and not being adults, shame on YOU. How nice to live in your perfect world, where you never make a mistake and everyone’s treated wonderfully fair. Just because it hasn’t happened to you doesn’t mean someone brought it on themselves. And they have EVERY RIGHT to post it. I read those other reviews also and MANY, MANY of them are not about late payments or billing at all. Seems that this company has a lot of bad stuff going on, with computer glitches causing zero credit, rude customer service and, this is the good one, customers being punished for paying their bill, by having their credit frozen. Makes my late charge pale in comparison, but once a company no longer cares about it’s customers, it’s time to get away from them. Ultimate is a mess and I’m saying goodbye.