This is the WORST credit card to sign up for. Even if you pay the day of in the morning and your payment is supposed to go through, they will charge a $40 late fee. There is no way to get through to the customer service line, I doubt there's any actual department. With the interest rate and more than minimum payment somehow after 6 months of paying my balance was higher than when I first opened this credit card! I will tell everyone I know how horrible this credit card is, ANY OTHER CREDIT CARD IS BETTER THAN THIS ONE, YOU WILL REGRET SIGNING UP FOR THIS CARD. It's expensive total garbage. User's recommendation: THIS CREDIT CARD IS EXPENSIVE GARBAGE.