No more long distance phone calls for balance inquiries!!! Yeah - They are now online! Can make payments too! No more late fees for one darn day - Sure - I believe that when the check clears my account the same day they say they received it.. uh huh Right!!! Who else (subprime) has online access with free bill pay option? Capital One - Yes Providian now too - Yes Aria - Yes Others? Thanks Kelly Others?