I just called them a few days ago to say that I didn't get my card and found out about a supposedly late payment, which I debated when I called them. They agreed to send me a statement and I said I would pay when I had something in my hand that proved what I owed.
Now I get some collections cunt on the line telling me there's no documentation of my call and that I should pay before getting the statement in order to keep my credit rating from being affected.
I. Don't. Think. So.
Nasty Letter #3, coming right up. (No responses to #1 and #2, btw - those being OAOT and Wally World).