AVOID!! This used to be a great credit card company to use especially for travel. Sadly no longer reliable or useful. Even with contact from me letting them know i was going on holiday and would be using my cc as the billing card - even letting them know the exact places and companies that I'm using and dates of my vacation, card is still declined for no reason. As others have said in their reviews, my balance has always been cleared and never missed any payments. This is the problem i think, they only want customers who make them money by not paying off their bill and racking up interest.