Beware of Credit One Credit cards. In the contract you accept, there is a clause that they will charge you a monthly fee even if there is no balance on the card. If you don't pay the fee on time, you get a $29 late fee...those fees for nothing add up quickly!! Then when you phone for assistance, and you FINALLY get a human, you are transferred repeatedly and they will NOT remove the fees and late fees for keeping the card open!...