Credit Card companies are the worst, our economy is really in the pits and they are making money on people like us who shouldn't be living beyond our means.  I cut up this card and call Credit One to ask if there was anything formal I needed to do in order to close the account and the representative hung up on me.  I got tired of giving my hard earned money to greedy people who treat their customers so horribly. I made that mistake for too long, I don't want to owe anyone anything.  It is the most amazing feeling of freedom to not owe a credit card company.  Cash is King!