I have had this Credit One Bank Visa since March.  All going ok until one month I went over my credit limit by a $1.00 and some change.  They were calling to inform me that I had gone over my credit limit and they were requesting a payment!   The other wierd thing was the bill wasn't even due yet!!  I was like What!!  Your calling and the bill is not due yet?   Crazy!!  Then as someone else said, these East Indians!!  Ughhh...  Can't understand them!!  I say Why Me!!  Then, I asked to speak to this guy Mark's supervisor!   His name was Eric.  I let this guy have it!  Why in the world make a collection call when the bill isn't due yet??  So, I started doing some research on thus company!  I'm paying my bill  and closing this acct!  I admit got this to help my credit, but i can't deal with a company like this!!  It's so wrong what they do!\nThanks to all the reviews!!