Absolutly the Worst Credit card ive ever had! Not only did they raise my APR apparently due to the economy, but they said they sent me a notice in Nov. and b/c I didnt reply within 3months there is now no way they can lower it....maybe I would have called if they actually sent me something? When I asked for a copy of the letter they said they dont have a copy of it , but they could send me something simular, what is that? but i did call in march and the guy told me it could be lowered in 6 months from when it was raised in jan., now its a whole different story! If I actually could I would pay it off in a heartbeat, If you are getting a card or looking too get out while you still can because I was told they the rates were going up again! Also the customer service, ha one time I had a good, nice man on the phone which is the guy that told me i could lower my APR in 6 months it was raised due to fee putting my card over the limit, then the next person I spoke with the lady was a real...well u know. Very rude and would not transfer me to someone that could actually help me.