This is a HORRIBLE company to deal with for credit, I have had a Home Design credit card with this company since 2020, I used it 1 time to help finance the remodeling of my kitchen. I have been paying the card off, ON TIME, then I get a electronic email saying they are closing my account, but my credit rating from them has been positive.This is SO stupid and this is a incompetent company and I don't even use the card anyway. No reason to close an account that is current.