Unbelievably poor customer service. I was on the phone (mainly on hold) with three different reps for over an hour. My issue seemed simple - trying to get my wife’s credit card activated properly. The card had been declined by a merchant for an online transaction, and we did not understand why this happened. The reps were difficult to understand and were not helpful. They seemed so incompetent that we thought it was some sort of scam. Although scammers may have been more professional. Incredibly frustrating. I am still uncomfortable about the experience.