I did one star because I had to make a selection. This credit card is by far the worse credit card I’ve ever owned. I have paid lump sumps mostly every time, to keep my credit line under 50% credit used, and for the second time, after I pay another lump sump, they reduced my credit limit again leaving the remaining balance reflecting more than 85% credit been used. Now, why would I pay another lump sump? For them to reduce the credit line again? You make big payments as an effort to have the credit available and keep using it. But no, they will reduce your credit limit, leaving you without the money (you just paid) and without the credit. The worse credit card. I will stop using this card, pay my remaining balance for as long as it takes making the minimum payment (never a lump sump again). Will never recommend this card. They will damage your credit more than they would fix it. DO NOT WASTE YOUR TIME AND MONEY WITH THIS CARD.