This is the worst credit card to have!! Please if you can, avoid opening one!! Customer service is awful. I misunderstood a promotion in which they offered 0 % balance transfers after a fee on the transfer; I thought it offered 0% on purchases as well. I called customer service to inquire about the possibiblity of waiving the fee I had paid on the transfer since I was going to pay the whole balance off on the next statement date. So I first spoke with agent Tess who put me on hold but then disconnected me while contanctinge her supervisor. I called again and asked to speak with a manager. Manager Laura came on the line next. Laura was the rudest and inflexible person I'ver ever delt with. She said to me: "you shouldn't done the transfer if you didn't want to pay the fee!", and that was that! No help! I will basically pay $52 to the bank for a $0 balance account starting next month. Thank you Laura for being so understanding. I don't recommend this card.