Had this card for 5 years. never had a late payment, always paid more than was required on the account. i'm self employed, working new housing construction. when things got slow and i got behind. i called to see if i could make payment arrangements, the customer service employee was beyond rude. she said if i couldn't pay what they wanted to set then they would tack another $5000.00 on my account. i should have asked to talk to a manager but i was so upset i just hung up on her. this is a good card but the customer service if awful.