i have been value customer with fry's electronic for at least 5 years .and also have fry's credit card . what happen was before we used to pay by mail then they change to online payment only that's when a bad experience with this company begin , we created an account with fryscredit.com then they asked for 3 security question which is we did them all and wrote the question and answer on our notebook . we ended up have to called customer services every month because of our password it didn't work and every time we called all they told us that the website is down and they going to send us an e-mail to unlock our account and that was the first time . Then after that we have to call every months to do exactly same thing and their answer still system was down . so last month i've tried to pay online and of course it's happen again (no surprise) so i called and have wait in the line for 45 mins so i hang up then try to call back the next day , they said the account is past due and that will be $35 late fee so i told them about what was happen then she said it's nothing wrong with website it's because i type the wrong information that's why the account was locked so i asked her so you said that everytime i lock in i put the wrong info she said yes. so i asked for the manager she have told me that the manager will not speak to me about the late fee and it's nothing she can do , and of course i have to pay $35 late fee plus last month due and this month . then i ask her so why every month that i have to call the customer service they always said the system was down ( 1 yr down ) she said it's nothing wrong with the website , it because of me putting the wrong info. so now she make me seem stupid so i ask to talk to the manager she said the manager put her to do this job for a reason because they do not want to talk to you then she hung up i was surprise about that , i didn't expect that , and i just want to warned the other " DO NOT EVER APPLY FOR FRY'S CREDIT CARD "