This is honestly the WORST card I have ever owned. I pay more than the minimum payment and my balance NEVER seems to go down. I called their customer service and can never get a straight answer. Their customer service department is BY FAR THE RUDEST customer service I have ever dealt with. I cut up my card as I did my other credit cards.. so I went on to make my payment and I was for some reason locked out. I could not reset my password because I dont have my CC. I called customer service and this stupid indian lady kept telling me she would mail me a pin. I could NOT for the life of me make her understand I wanted my password reset. For about 5 minutes this went on until I said \"can i please speak to someone who knows what they are doing\" she YELLED back at me that she KNOWS what she is doing. I said I would like to speak to a supervisor.. she said \"may I ask what this is in regards to\" UM DUH! I said I dont want to talk to you anymore. She kept me on hold for 7 minutes and her attitude was alot nicer when she came back on. She FINALLY figured out I wanted my PASSWORD reset and goes \u00f6h no sorry I am not able to do that. I thought you wanted a new pin because your CC wouldnt work.. WOW I told her 4 times throughout the call that I CUT UP my card. I had missed a payment by 1 day and I called customer service and asked if they could reverse the 25 fee..this dude proceeds to give me a lecture about how I need to learn to pay my bills on time. I told him it was an accident and he said \"there are no excuses man, we will not do this for you again\" NICE CUSTOMER SERVICE DUDE!!!  RUN! THIS CARD IS NOT WORTH IT!!! THE FRUSTRATION OF DEALING WITH CUSTOMER SERVICE IS HORRIBLE.