Their customer service is terrible !!! it's aggravating. skip this credit card. Every month I go threw the same trouble I send the money, I get 3 conformations .but they sent the money back . I think they send it back just so they can get double the money Because everything is good up until a day or two after my due date mind that I pay early. And then all of a sudden no payment. Then I end in a overdue payment every single month So do yourself a favor and skip this credit card.