I have had this card since 2005. Very good up front service. They kept all their promisses. I used it heavilly to gain points and get the various rewards I wanted. In 2008 things went sour in that they raised my interest rate. I called and was told they had to because of the economy. I did nothing wrong and feel this was unjustified. I was then told I would have to wait 6 months, to call back and they would adjust the interest rate lower. I called in that amount of time and they lowered the interest rate a little bit compaired to what they raised it too originally. At least they said they were sorry they couldn't do any more then that. Yeah, right. Resently I have had to call their help line to find out why I could not access my account online. They told me there was a charge on my account that made no sence to them. Kudos for wathing out for me. At least at first. I got a new card and new account number for safety sake. I called in and got it set up but never used it for anything. Then I had to call again about the new credit card having a charge on it that wasn't mine. I want to say kudos again, but this time I think they are looking out for themselves in that I feel the only way the number was had is a breach in their security. I have since recieved yet another new card and account number but this time I have NOT activated the card and probably won't, ever again. Yime to pay this one off and cancel the account when it is done.