http://www.consumeraffairs.com/credit_cards/united_credit_national_bank.htm From reading this link, it appears as if they are bad news.
ACE Visa Issued by United Credit National Bank of Sioux Falls This is a standard issued card and can be found in our poor credit category From Cardratings.com
http://www.denver.bbb.org/report.html?compid=33853&national=Y They are bad news. My husband is currently having an issue with them.