Im with Kimberly B...this is a card for people rebuilding credit.  Mine got tanked due to a divorce.  I have been rebuilding, and started with a $300 limit, and it is now at $1250.  I do not carry a balance, ever.  If you need to carry a balance, then you haven't learned your lesson that got us all to this type of a card in the first place.  It you are a day late, you haven't learned your lesson either. A day late is a  day late. You can sign up to get reminders to pay a week in advance.  Also, it is NOT A HIDDEN $75 fee.  It isn't hidden!  It's clearly disclosed, along with the $8.95 monthly fee.  People who place blame where it doesn't belong aren't going to take responsibility for getting their credit back in order.  Get over it.  It's a card to rebuild credit...you are going to pay for the privlege of doing so.  I will probably keep it awhile longer, as length of time you have an account open adds to your score too.  Educate yourselves people. Stop blaming the company for being a business and take your finances into your own hands.