Hi there I have had this card for 12 years. Was once of my favorite credit cards because we use to take cruises. I would not recommend this card do to the fact they do not help there customers with chargeback issues. They never call you back when you call them. Dispute department does not have a direct line. They say they will help you but don’t. Also I fax them the information 4 months ago they requested. Never heard from them. Worst customer service I have ever had. I’m switching to a new credit card. The carnival points are not worth the bad customer service. Thanks Mr. Kuhn