The worst credit card company ever. They accidently sent the card to my previous address and that was when the card got activated by strangers (please note that anyone can activate your card, you don't have to use registered phone number to active it...wow). It has been 1 yr since the first time I called them to report fraud transactions (total 5 cards were opened under my name without my knowledge). I have been talked to several account managers who said sorry all the time and promised to fix it. After all, my credit score WAS RUINED and nothing has been fixed. THEY EVEN SENT ME TO CREDIT HUNTER. Very irresponsible management services. Now I have to file report to consumer protection to repair my credit score. SAVE YOURSELF BY STAYING AWAY FROM THIS COMPANY.