I never had a real problem with them until the day I found they have decreased my line of credit making my credit score go down by 30 point. How they did this? By decreasing the line the credit utilization goes up and impact your credit negative. After 5 years with them payments on time and never missed one they don’t care, they will answer you we don’t look at that. I understand is a business but why you want to affect your good customers. They work with multiple furniture companies, dental, veterinary, ophthalmologist and more be careful they will get you one way or an other. Is true this company have the worst customer service, they can’t express what they think because they might loss their job but you can tell by the tone of the voice how they might feel as well. When a company do really wrong to a client like this, not a high balance, payment on time is not fair. For you to have an idea account line for 5 years $2,400; balance in the account $944 is around 35% to 40% of credit utilization is not bad. They decreased the line balance to $1200, for no reason they decided causing the credit utilization go up to 80%, this affect negatively my credit score. Company like this does not deserve to be promoted or use all they care is the money.