For anyone who is considering getting this account STOP NOW! The customer service is rude and unhelpful. If you have any issues with diputing a transaction you will have to wait up to two weeks before you can file the dispute. But once you file the dispute you will have to wait up to five months before you know the status of your dispute or before your money is returned. They have a 5 dollar a month account fee that does nothing to help you. This card is not for you go to a brick and mortar!