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BAKFlip Tonneau Covers: Frequently Asked Questions |
Note: The BAKFlip G2, HD, F1, and CS Tonneau Covers all install and function identically! The primary difference from one model to the other is cover thickness, and surface material.
 Click Here to see The BAKFlip Tonneau Cover Open and Close!
(short demo video on YouTube). For More Details see Installation Page!
- Do all of these covers lock and secure the truck bed like a trunk of a car?
Absolutely! Our cover comes with a Tamper Proof Latching system as there are NO visible locks or keyholes or latches as the cover latches and secures from underneath the cover! This makes the BAKFlip Tonneau Cover one of the most secure tonneau cover on the market. When the cover is closed, and the tailgate is locked, you now have the equivalent of an "Armored Trunk."
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- Can you unlatch the cover from either side?
Absolutely! You have easy access to "latch pulls" on both the driver's side and passenger side.
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- My truck does not have a factory installed tailgate lock. Will I be able to secure my truck bed with the cover without one?
No. When the cover is open and the tailgate is shut, simply close and latch the cover normally and it the cover latches down and secures right up against the top edge of the tailgate. Most people wanting to access their truck do not mind opening their tailgate. Contrary to what you might think, we rarely meet a person that finds opening their tailgate to be an inconvenience. The locking tailgate is key to the security of the truck bed as this is the singlular means by which to gain access to the latch pull handles to unlatch (unlock) the cover.
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- When the cover is closed, do I need to open the tailgate to unlock the cover?
Yes. You will need to open your tailgate to be able to begin unlatching the cover at the last panel.
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- Do the latches that secure the panels latch to both sides of the bed?
Yes. Panels latch securely to both bed.
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- Can you unlatch the cover from either side?
Absolutely! You have access to "latch pulls" on both the driver's side and passenger side.
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- What is the BAKFlip made out of?
The BAKFlip G2 is now ALL METAL uses a textured aluminum surfaces for all flat panel surfaces above and below the cover. This incredibly durable panel has a single coat of epoxy primer that is baked on at 460 degrees. Once the primer has set, an extraordinarily tough and scratch-resistant polyester based coating is used as the final finishing coat (which gives the look of a tough, baked on enamel, but is much higher quality). This coating process ensures that the covers is both scratch and UV resistant. Each panel is cut precisely using "CNC" controls, which are computer guided controls that ensure that your cover, panels, and rails are cut precisely at the correct curvature and angle matching the structure and shape of your truck bed perfectly! This ensures a perfect and customized fit on every truck. The core between the two surface panels is an Expanded Polystyrene (EPS) core. This is the same material that is used as the cover of a surfboard! This means that the structural interior of the cover is lightweight, rigid and impervious to water! Should water ever find its way into the center of the panel (which would be really difficult), it will never deteriorate from the inside as it is unaffected by moisture, so it will never deteriorate or delaminate as a result! Each panel is then neatly framed in powder coated, aircraft quality aluminum for a lifetime of indestructible use! These panels will not crack, warp, fade, rust, or corrode and can handle up to 300lbs. of evenly distributed weight. This means that snow loads are never a problem!
- How many panels does the cover have?
That depends on the length of the truck bed. All Beds 69" or shorter has 3 folding panels. All beds longer than 69 inches have 4 folding panels!
- What is the core material of each panel?
The core between the two coated textured proprietary hard paneled surface sheets is Expanded Polystyrene (EPS) which is impervious to water and very lightweight and rigid (it is the same material used as the core of the best surfboards). Should water ever find its way into the center of the panel (which would be really difficult), the interior of the cover will never deteriorate from the inside nor is it affected by moisture, so it the core will never deteriorate or delaminate as a result!
- You say your cover folds thanks to a breakthrough design called "The Living Hinge." What is a "Living Hinge?"
The revolutionary "living hinge" system developed to ensure water resistance. Each living hinge consists of a seamless EPDM flexible rubber covering over rigid aluminum supports. EPDM is the same material used as factory weatherstripping around your car's doors and windshield. The flexibility of this rubber is what allows the cover to fold easily without a traditional hinge design.
- What is EPDM?
EPDM rubber (ethylene propylene diene monomer rubber) is a very heavy duty rubber for use in extreme conditions and is used in automotive weather-stripping and seals around windows and doors, radiator, garden and appliance hose, tubing, belts, electrical insulation, roofing membranes etc. It is extremely tough rubber that can withstand high heat, and maintain flexibility for many years to come!
- What are "Self Backing" Clamps?
Innovative Self Backing clamps are used to secure the side rails. These low profile clamps allows you to hold the clamp in place with one use the other hand to wield the wrench to tighten the clamp! Only one wrench is needed as the bolt is "self backing" when tightening.
- What are the mounting rails made out of?
The rails are extruded from aircraft quality aluminum and then powder coated for unmatched durability. The exposed surfaces of the rails are 100% powder coated.
- Is there any protection between the mounting rails and the painted side rails?
Yes! There is a rigid protective strip underneath the mounting rails so it will never damage the painted or rail surface underneath it.
- How far does each side rail protrude inside from the rail into the bed of the truck?
Only 1 inch on each side! This allows plenty of clearance for the use of all bed extenders.
- Is the surface of the cover smooth or textured?
The cover has a light texture to it...very similar to the back top step of most truck bumpers, plastic side rails, mirror trim moldings, etc.
- What color are the covers made in?
All of our covers come in a beautiful Satin Black color only. As a result, it looks factory installed!
- How strong are the panels?
EXTREMELY STRONG! These covers can handle 300 lbs of evenly distributed weight. Snow loads are never a problem. Even when this cover has been subjected to destructive hail storms that have severely damaged trucks causing thousands of dollars worth of damage, we have never had a cover damaged by hail and do not expect it to happen!
- What is the total thickness of the cover when mounted to the bed of the truck?
At the center of the cover - The cover comes down into the bed approximately 1 1/2 inches total at the latches (approx. 1/2 inch of that is soft rubber bumpers placed on the bottom of the latches). Virtually zero height added to the bed. At the edges where the rubber seal touches the side rails...the thickness of this is negligible (approx. 1/16th inch!)
- What is the thickness of the cover itself?
The flat panels are 1/2 inch in total thickness. Where the latches hit...the latches drop down into the bed approx another ˝ inch (for a total of 1 ˝ inches only at the latch mechanism).
- Describe the side profile/low profile of the cover?
When the cover is completely closed, the cover sits level with the side rails so the cover is completely flat.
- How much does the cover weigh? (when I remove it?)
Depending on the size of the cover, the weight runs from a minimum of 35 lbs and up to 45 lbs for the long beds. A good rule of thumb is that for a full size truck with a short (6.5 ft. Bed) bed, the cover itself weighs only 40 lbs. For shorter beds, it can go down to 35 lbs. For long beds...it is a maximum of 45 lbs.
- If I want to completely remove the cover and mounting side rails, how easy is it to remove the cover? Please describe.
Simply reverse the installation...Remove fastening knobs and then remove cover. Then remove the clamps and rails, and that's it!
WEATHER / WATER RESISTANCE
- You say the cover is "Weather Proof"..What does this mean?
The cover has been designed to ensure no water can penetrate the panels and hinges. The cover also seals nicely at the front end and the tailgate of the truck so no water can enter there, and water simply rolls off the front and rear of the cover with ease. The BAKFlip cover is "level with the bed" so should water ever gather on the cover and be pushed to the any of the edges of the cover, water will simply roll off the cover! Should water try to enter the bed from the sides, it has quite a challenge to make it to the bed. First it has work itself under the side rubber (EPDM) seal. Should any droplets gather there...it would have to work itself over the lip of the mounting rail. Should it ever get that far, it will be automatically caught by the extruded side rail which acts like a small gutter. Water collected in the "gutter" of the side rail is quickly expelled through the tubes at the front of the truck. In all of our tests...it is VERY rare that water will ever make beyond the lip of the side rail, and if it does, it is only a couple of drops. However, even if these "couple of drops" make it to that point, they have no chance of getting into the bed as this water is caught by a secondary "gutter" that ensures your bed will remain dry!
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- How many drain hoses are there with this cover?
There are 2 drain hoses (one on each side at the front of each mounting rail) to ensure the expedient and efficient expulsion of any water collected in the "extruded gutter" of the mounting rails! It is very rare that any water ever gets to the channel in the mounting rail, much less into the tube at the front of the truck.
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- I understand that water is channeled to the front of the truck, where water is expelled through 2 drain h oses. Does water run towards the back of the truck and get into the bed?
Absolutely not! Water runs along the inner track which acts as a "rain gutter" as well. This track is open ended at the back. This means that if the truck is parked up hill, water is collected in the inner track and drains right at the back edge of the tailgate and runs out of the back of the truck, leaving your cargo area dry. Water ever getting to this "channeled gutter is really rare under any circumstance!(read question above)/
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- Question: How does the cover operate in snow, ice, extreme sun and other seasonal extremes?
The BAKFlip has has superior weather resistance in all types of weather. This cover is designed to outlast your truck and it can handle all the Sun, Rain, Snow, Ice, (and even hail!), or whatever Mother Nature throws at it.
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- How do you seal the cover at the tailgate? And the front edge?
The cover overlaps the front edge and the tailgate. Under the cover at both ends, there is a high quality pressure seal that seals water and dust out.
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OPERATION/FUNCTION OF THE COVER
Click Here to see The BAKFlip Open and Close! (short demo video on YouTube).
- How does the cover lock?
Our cover comes with a Tamper Proof Latching system that latches each panel securely on both sides of the truck! There are NO visible locks or keyholes or latches as the cover latches and secures from underneath the cover! This makes the BAKFlip Tonneau Cover one of the most secure tonneau cover on the market. When the cover is closed, and the tailgate is locked, you now have a secure trunk!
- How does the cover unlatch?
Answer: Simply open the tailgate, and from either the driver's side or the passenger side, gently pull the spring loaded latch release and the latch will release for that panel. Fold the panel forward and repeat with the next panel, and the next panel...until all panels are unlatched and folded up towards the cab of the truck.
- Can I travel with all panels open and folded up against the back window (cab) of the truck?
Absolutely! The locking arms will hold the cover in place up against the back of your cab, and you can safely travel with it in this position. An added benefit is that the cover protects the back of your truck and glass from the cargo in your bed that you are carrying!
- Can I use this cover with my 5th wheel or Gooseneck Trailer!
Absolutely! This was designed to work best when pulling 5th Wheel Trailers as many of our customers pull them. When you don't have your 5th wheel connected, your truck bed is as secure as a trunk with easy access to all areas of your truck bed. However, when you want to hook up the fifth wheel, you simply fold the cover up all the way up and against the rear cab (window) of the truck. Hook up your 5th wheel or Gooseneck trailer and you are ready to go! Once you get where you are going and disconnect the trailer, unfold the cover and return to the fully closed position and you have a secure trunk again.
- Can I travel with 1 panel open? / Can I travel with the cover partially open?
With the New BAKFlip G2 Cover, you can now secure your cover in the "partially open" position! We have installed "D Rings" on the top front edge of the cover (on both the passenger and driver's side), so with bungee cords (that you provide), you are able to secure the cover in a partially open position and travel with it this way! (NOTE: There are pictures and details of this on the "Installation" page of this website. Once at this page, simply scroll down and you will see the pictures demonstrating this feature!).
- Does the cover rattle, shutter, or make any noise when going down the road?
Absolutely not! As each panel securely and snugly latches to the bed, there is no rattling or noise at all associated with this cover!
- Does this cover work with "over the rail" toolboxes?
Unfortunatley not. Each cover is designed to fit a full and open truck bed perfectly.
- Does this cover work with toolboxes that are down inside the bed?
Yes - As long as the toolbox is a minimum of 1 1/2 inches below the side rails, the cover will fit perfectly.
INSTALLATION
Click Here to see The BAKFlip Tonneau Cover Open and Close! (short demo video on YouTube). For More Details see Installation Page!
- How long does it take to install a cover?
Professional installers - 10 minutes. Average consumer 30 minutes.
- I have a sprayed-in a bedliner that goes over the side rails. Do I need to make any modifications to my bedliner or truck before installing the cover?
None whatsoever. The cover and hardware will fit perfectly on top of all sprayed in bedliners without any modifications to your truck or the bedliner!
- I have diamond plate side rail covers. Can this cover be installed over diamond plate side rail covers or do I need to remove them?
No. The rails cannot attain a good weather resistant seal against diamond plate bed caps.
- I have a plastic bedliner in my truck. Do I have to make any modifications to the bedliner to install the cover?
That depends on what type of plastic bedliner you have (see below):
IF YOUR PLASTIC BEDLINER GOES UNDER THE SIDE RAILS (but goes up and over the front rail and tailgate): NO PROBLEM! You will not need to make any adjustments to the plastic bedliner to install this cover.
IF YOU HAVE A TAILGATE PROTECTOR: Tailgate protectors do not present any problem for this cover. Whether you have a factory installed or an aftermarket tailgate protector or if your tailgate liner comes over the top edge of your tailgate, none of these will present a problem when installing the cover.
IF YOUR PLASTIC BEDLINER GOES OVER THE SIDE RAILS: YOU MUST MODIFY YOUR BEDLINER to install this cover! Some retailers simply say "fits on all bedliners!" This is not the straight up truth. This cover will fit if you carve 3 holes in each side to be able to clamp the rails to the bed. What we have found is that no matter how neat we do this, it always looks shabby. As a result, the best recommendation and the bottom line is that we strongly recommend that you trim the portion of the bedliner that comes over the side rails so that the side wall of the plastic bedliner goes up to and UNDER the rail, but not over the side rail. The reason for this is that over-the-rail bedliners prevent you from being able to clamp the hardware to the side rails as they cover them up. These side rails need to be trimmed off so that the RollBak Tonneau's side mounting rails can be clamped to the inside lip of the side rail. If you are making this adjustment, this is a great opportunity for you to convert your over-the-rail plastic bedliner into an under-the-rail bedliner (where the liner only overlaps the front rail and the tailgate edge)!
These over-the-side rail bedliners must be cut back so not to interfere with the truck's original side rails. To cut the liner's rail covers off is a fairly simple and straightforward process that allows the secure installation of the mounting rails to your truck rails. To request that the customer trim these plastic side rail covers off of your one-piece liner is not a unique request. To ensure a weather resistant barrier with the installation of any tonneau cover, and to be able to clamp the mounting brackets onto the side rails, you must remove the part of the bedliner that covers the side rails. PLEASE DO NOT CUT OFF THE PORTION OF THE BEDLINER THAT COVERS THE FRONT RAIL OR TAILGATE.
PROCESS OF TRIMMING an Over the Rail Bedliner is as follows: To cut the liner, this is a fairly simple process that requires you to slide the one-piece liner out of the bed, then clamp a straight edge along the line where you wish to cut the cover (right at or just below the rail, not above it). From there, a jigsaw with a fine blade works great and you simply follow the straight edge with the saw. Any burs or rough edges can be smoothed out with a file or sandpaper. Others are successful using the same straight edge tactic from outside of the liner using a razor knife. They remove the liner from the truck, and from outside of the liner, they use a razor knife to cut the rail off. The most preferred method is to use a jigsaw.
- Question: Do the factory installed plastic side rail covers that came with my truck (i.e, Ford, Toyota, Nissan, Chevrolet/GMC, 06+ Dodgeetc.) need to be removed?
Absolutely Not! You can install the cover directly on top of ALL OEM factory rails with NO modification whatsoever.
- Are any holes drilled in the truck?
NO! NO HOLES ARE DRILLED INTO YOUR TRUCK! You do not need to drill anything during the installation.
- I plan to occasionally remove the cover and put a "slide-in camper" into the truck bed. Will I need to remove the mounting rails?
Yes. You will need to remove the mounting rails so they are not damaged by the slide-in camper. This will ensure that the mounting rails do not get damaged in any way.
- For the Nissan TITAN with the Utili-Track System, what adjustments must be made to install this cover?
To install the BAKFlip on the TITAN, you simply unbolt the Utili-Track, and flip the track over (with the functional side of the Utili-Track rail still facing into the bed). Flipping and re-installing the Utili-Track lowers the track by 1 inch from under the side rails which is just enough to clamp down the RollBak rails properly.
NOTE: This is a wonderful feature! Many customers ask if our hardware can bolt directly into the Utili-Track system. The answer is "NO" but it gets better. If our hardware were to bolt directly into the Utili-Trac System, you would have very little (if any) usable Utili-Track area to mount other accessories. This simple "work around" allows you to simply flip the "Utili-Track" over, which lowers it by only one inch. This means that you WILL NOT LOSE any of your ability to use the Utili-Track for tie downs as the mounting rails will be clamped directly above it.
- For the 05 thru Current new Nissan Frontier with the Utili-Track System, what adjustments must be made to install this cover?
None. The cover installs normally just above the Utili-Track as there is just enough space above the Util-Track to do a normal installation onto the inside lip of Frontier's side rail. This leaves your Utili-Track completely open to utilize with any of your accessories.
- Which model of this cover is the easiest to install?
All cover installations are virtually identical. In the case of the Nissan TITAN, as described above, you need to flip the track over to have access to the side rails to clamp the side mounting rails. Aside from that, virtually all installations are identical. All of our installations are very easy to install.
- I have diamond cut rail covers on the side rails. Can I install the cover with these in place?
Unfortunately not. These diamond rail caps are very difficult to attain a proper weather resistant seal.
- Does this cover work with "flip out" Bed Extenders that flip over onto the tailgate?
Absolutely! The cover works with all Bed Extenders.
SHIPPING AND DELIVERY QUESTIONS
- What is the Warranty on this cover?
The BAKFlip Tonneau Cover has a warranty of One Year against any defects in material or workmanship. This warranty is offered directly through the manufacturing facility at BAK Industries. BAK takes the quality of our product very seriously. That is why the highest quality of material available is utilized to go into these covers. Unlike most lifetime warranties that have loopholes big enough to drive a truck through, our comprehensive 1 year warranty covers virtually all components! And we don't hide behind any fine print!
NOTE: WARRANTY CARD MUST BE COMPLETED AND MAILED WITHIN 14 DAYS OF RECEIPT OF YOUR COVER TO ACTIVATE YOUR WARRANTY
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- Do you have brochures that you can send me?
We no longer have brochures. We have some brochures put together online that were prepared for magazine advertisements, but they were never mass produced. You have access to ALL of these BUT you can see more pictures, larger pictures, and find out much more about the cover by thoroughly combing through the pages of this website. You will also notice that we have an extensive Photo Gallery of the cover on virtually every truck application. Just click on each small picture image and it will automatically enlarge that image so you can view a much large picture on your monitor. To top it off, we have a great Installation/Operating Instructions Video (with sound) that shows you how easy it is to install and operate the cover that is easily available through our website!
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- How is the cover cleaned?
The cover is washed and cleaned with the same stuff that you safely use on your vehicle to wash and wax your vehicle. Once washed and dried, we recommend 303 Protectant® as your first choice. You can also use Armor All®, and Son-of-A-Gun®, will also preserve the finish of your cover for years to come. DO NOT USE CHEMICALS SUCH AS PINE SOL®,WINDEX, or any cleaners using ammonia or other harsh chemicals. Avoid use of all abrasive type cleansers as they may dull the finish. We are big fans of 303 Protectant which is . You can find your local retailer of this protectant at by going to www.303products.com which is basically "Armor All on Steroids" as it also has 100% UV protectant built in.
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- What is your return policy?
Returning your Cover: If after taking delivery of our cover and you wish to return the cover, please notify BAKFlip Tonneau Cover of your intent to return the cover within 7 days of receiving the cover. All returns must be approved by in advance. The cover and all of its hardware must be returned in their original condition and in our original carton. The cover must be packaged EXACTLY as it was originally received by the customer. We strongly recommend that if you return the cover, you insure it against damage for the cover's value as BAKFlip Tonneau Cover will not accept delivery of a cover if it is damaged in any way, and you will not receive credit for the cover unless the cover and carton arrives in new and resellable condition. There will be a 20% restocking fee charged to return the cover to inventory based on the original purchase price.
Shipping Charges: If the cover arrives to you damaged in any way, please reject the shipment (don't sign for it nor accept it). Simply call us to notify us of the damaged cover as the freight company will be responsible to send it back to us at which time we will promptly send you another cover. If BAKFlip Tonneau Cover accidentally sends you a cover that is different from the cover you ordered, and we send you the wrong cover, or the cover is defective in any, we are responsible to pay for all of the shipping costs to get that incorrect cover back to us, and send you another one at no additional charge. However, if the customer mistakenly ordered the wrong cover, the customer must incur shipping charges to return the cover back to BAKFlip Tonneau Cover.
Shipping Estimates: BAKFlip Tonneau Cover is often asked by customers to give estimates as to a time a particular cover will arrive at their destination. BAKFlip Tonneau Cover utilizes 3rd party carrier's estimated delivery schedules in providing these estimates to the customers. These delivery timing estimates are the "best guess" estimates based on the freight company's routing and schedule. The 3rd party carrier as well as BAKFlip Tonneau Cover provides no guarantee based on the standard delivery (non-guaranteed) estimate. Standard freight charges are very similar to "standard ground" delivery estimates offered by other shippers (i.e., UPS). As this is the widely considered to be the most economical shipping rate, a delivery guarantee is neither indicated nor implied as BAKFlip Tonneau Cover has no control over standard delivery estimates offered by 3rd party carriers. However, many of our 3rd party carriers offer "guaranteed service" delivery options at an additional cost. If the customer agrees to the additional cost at the time of order, and the additional charge is noted and charged to the customer on the order confirmation when the order is placed, then and only then is any guarantee of delivery service available and implemented.
This guarantee is solely offered by the freight carrier and is subject to all of the terms and conditions of the guarantee provided by that carrier. BAKFlip Tonneau Cover has no control over the service and/or guarantees offered by the 3rd party carriers. In the event the customer has paid an additional amount for guaranteed service at the time of order, and the freight carrier selected did not meet with the guaranteed service terms, then any refundable amounts received by the freight carrier to BAKFlip Tonneau Cover will be immediately refunded to the customer's credit card on file. No additional amounts will be returned to the customer as BAKFlip Tonneau Cover has no control over 3rd party delivery guarantees.
Rejection of Delivery of Cover for any reason other than visible damage to cover: If the cover that is shipped to you is the correct model as ordered, but at the point of receipt is rejected (or returned) by the customer for any reason other than for visible and verifiable damage to the cover itself, then the entire cost of the freight incurred by BAKFlip Tonneau Cover to ship the cover to the customer and the actual charges of having the cover shipped back to the manufacturing facility will be charged to the customer. As of 4-25-04, the minimum charge BAKFlip Tonneau Cover incurs to ship the cover to any commercial address in the U.S. is $80 to $100.00 to any address in the Continental U.S. In the event of a freight promotion or a "Free Shipping" or "Shipping Included" offer, or any competitive "price match" situation, the actual charges incurred by BAKFlip Tonneau Cover by the freight carrier for freight shipped to the customer will still be charged to the customer in its full amount. Once we receive the returned cover, and it is inspected and once deemed to be in good or "re-sellable" condition, we issue a credit for the purchase price of the cover (less all actual shipping costs incurred by BAKFlip Tonneau Cover less 20% restocking fee of the original price). In the event of any credit dispute with the credit card issuer, this portion of the return policy is considered "accepted practice" and is widely endorsed by the telephone order/mail order industry. As a result, these terms are considered to be reasonable and in any dispute arising from this portion of the policy and is widely accepted by all major credit card companies.
NOTE: On occasion, we have had customers change their mind about purchasing the cover after the cover has been shipped from our manufacturing facility and have rejected delivery of the cover at the delivery point (for whatever reason). Based on strict adherence to our published return policy, in each case we have charged the customer for the actual freight charges incurred. On very rare occasions, we have had customers dispute these shipping charges with their credit card issuer. As our policy regarding shipping charges is widely accepted and endorsed policy, on each occasion, the credit card companies have ruled quickly in our favor and all actual shipping charges were permitted and the card bearer retained responsibility for the shipping charges. This issue is not taken lightly by BAKFlip Tonneau Cover and should not be taken lightly by the customer as unfortunately shipping is very expensive. Unfortunately, when a cover is rejected by the customer for any reason other than damage, the customer unfortunately is faced with paying for the entire cost of the original shipping charges and a restocking fee of 20% based on the original purchase price.
Returning the Cover for Any Reason Other than Damage: If after the you accept delivery of your cover and the cover proves to be the correct model that was ordered and is in good condition, but you have decided that you do not want the cover, then the you (the customer) are solely responsible for identifying a freight carrier of choice and for taking care of the entire return process and getting the cover back to BAKFlip Tonneau Cover. Once BAKFlip Tonneau Cover receives the returned cover, it is inspected and once deemed to be in new "re-sellable" condition, we issue a credit for the purchase price of the cover (shipping costs will not be refunded). This return policy regarding shipping estimates and responsibility of shipping charges is shared by 99.9% of the internet or toll-free catalog distributors and is widely endorsed by all major credit card companies.
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