paid off 5k balance had a 0 balance they called me up and told me I had to use the card or lose it. I used it for about 2 months 400$ worth of items no big deal called them for any promotions like balance transfers or lower interest rates. just to see nothing they dont care. I paid on time never late they do not care. so Im paying it off and giving my card back. to many other deals out there and better service. User's recommendation: do not use card.