I joined 4 months ago to make use of the benefits the visa card offered. I have yet to receive my card. Spoke to Sten in customer service who said cards are shipped by tier not first come first serve. I have indigo(middle) tier and Sten was unable to tell me how much longer I will have to wait, no comp for inconvenience. Waste of time, would not recommend if you are looking to make use of card benefits.