I currently have two credit cards with them and applied for a business credit card and it went on for three months. I pay all my CC in full each month the day or shortly after I get the bill. I have a credit score in the 800s They take none of this into consideration. They don't put the phone number on the notices they send you so you keep getting transferred. No matter what I gave them it was never enough. Customer service does not care. They need to change their policy. They need to look at track record of clients and they need the phone number on notices. Waste of time A rating of 1.2. that is disgusting