Absolutely disgusting company, very discriminating against people with a disability. My husband is the prime card holder and his had his wallet stolen whilst on holiday. He had a stroke many years but is left with a speech impediment. He tried the security questions that tgey gave and he failed on one question because I was prompting him the person said he failed the question because she heard me prompting him. They blicked our cards so that we couldn't use our cards, and we didn't have any money. We have always paid our bill off each month in full, and no history of being late with payments. Please avoid this company.