I've been a customer for over 17 years, and it is really hard to do simple tasks with this bank, like changing your phone number; it's not allowed on the app. You have to send really sensitive documents via mail, like your SSN and driver's license, just to update your number. Also, your rewards are never accessible... They make it really hard for you to earn $1 after spending $3k. Just stick to other banks with greater cash back. I don't recommend this bank at all. They make you pay and hold you responsible for charges you didn't even authorize when someone steals your card. If I were you, I'd stay away from this private bank; it's not worth your time or money. I'm on my way to report this to the Better Business Bureau. It is a waste of time dealing with them since they don't even credit your account when bad things happen to you. They make you responsible for fraud and suspicious activity and want you to deal with the merchant yourself when it's supposed to be their job. Useless customer service. I have never had a problem with other banks and I have a perfect 800 credit score. Even to cancel your account, they make it really hard. This is my first time ever complaining about a bank, and it is because this card and bank don't do what they promise. No rewards allowed and no help with a stolen card. YOU WILL BE RESPONSIBLE FOR CHARGES YOU DID NOT AUTHORIZE