I took them up on a balance transfer offer. I then knew I would be going out of the country and unable to get my mail, check balances, make regular payments manually, so I set up auto-pay for $100 over the minimum payment due. I then return a few months later to find my minimum payment went from approx. $225 a month to over $500 per month. I also got calls from people on voice mail that I couldn't understand. They apparently outsource their customer service to people who can barely speak English. I wish I had never heard of this card and plan to take a small loan to pay off the balance and then never, ever touch it again as long as I live. A horrible company, a horrible card.