Worst credit card experience I have ever had. I had a fraudulent charge in Febryary 2021. Filed a dispute immediately in March 2021. First alarm was that they did not give me a credit for the charge in question. They said if I don't pay it I will get late fees. Checked back every month on the status, no progress! It is December 2021 now. Checked again, they told me last week they would elevate to urgent. Heard nothing. Called last night, was told to rather wait on hold I would get a return call within 2 hours from dispute department. No call. I am closing this card now. $90 down the drain but so be it.