I have been a Customer for a couple of years now and had no previous issues . However please be aware that at any time they can increase the interest rate on your account , I have a balance on my account but I’ve always paid on time . Just last week they offered to increase my limit and like that they can also increase the interest . I am now in the process of closing the account . I never thought a company could just randomly do this but be assured that they can and the interest they were increasing it to was ridiculous .....50 something percent !! please be aware of this , like I say I wasn’t until now !