I've been a costumer for over 17yrs and it is really hard to do simple stuff 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 SSC and drivers 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 responsible for charges you didn't even authorize when someone steals your card. If I was 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 BBB Better Business Bureau. It is a waste of time dealing with them since they don't even credit your account when bad stuff happens to you. they make you responsible for fraud and suspicious activity and want you to deal with the merchant yourself when it is 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 complaining about something in life and it is bc this card and bank don't do what they promise. No rewards and no help with stolen card.