Ok first of all SST is not a scam . There are ways of contacting them I have had very good service with this company. Sorry for the late fees Dont be late I mean come on you aint gonna tell me that you guys have had no way of calling sst. THERES A # to call - Ans yes their are live reps there. Give me a break. If its that big of a deal pay off your balance you owe and close the account and go else where . Honestly complaining is getting you where more fees HA HA ..