It is definitely true about the terrible customer service. I've called just to get disconnected. Or when I've opted for the call back.... Never happened. Live chat is useless and when I email them it has literally taken a week or more to get a response. I love the cash back and discounts on Hulu and Netflix but they didn't even post all of my direct deposit (and it was not two days early either). They literally suck. I have even been charged for unauthorized purchases with no attempt to