This account presentation is horrible. It is confusing, wasting of time, instead this could have been made more simple, I was using capital one credit card account which haad never created confusion in so many years I used but with offer from Santander Bank I obtained credit card that I find so confusing that inspite of so many years operation else where I of cred my User's recommendation: Never unless the credit card account is made simple as in line with Capital one credit card account.