When I first met my husband, this was his credit card of choice. It had no fancy frills, but also did not cost anything to have. He had fantastic credit, and always paid it down. Once we got married and had our first child, his spending got out of control. The balance on the card started getting higher and higher, but luckily he had a low rate. When I lost my job and it became harder to make ends meet, we started getting hit with some gnarly late fees, which I understand, but they were REALLY high even for credit card companies. After a few phone calls, and faxing them a copy of our marriage certificate, they finally allowed me to work with them on payment plans. Once they understood our situation they were very accomodating. We will be finished paying off our balance in a couple more months, and I think the card is going to stay on the shelf since we are doing much better without the mountain of credit card debt over us. As a card however, the customer service was top notch, and they really seemed to understand that we WANTED to pay for what we spent using their card, but we were in a tough spot at that current time.