I recently applied for this card to take advantage of the 21 months 0% interest on new purchases and balance transfers. Got the card in the mail, went to activate it online and thought I completed it. Went to verify some details of the terms before using it for the first time today and logged into the website. Website tells me my registration was not complete, so I finish it online by providing my information. Website tells me great, activation complete, you can use your card immediately. Went out shopping for some new shirts for work as I needed a minor wardrobe refresh, and for the first time EVER in my life I'm the awkward guy at the counter whose card is declined. After it was declined I put it on the card I'm going to transfer balances on. After reading some of the reviews about them refusing balance transfers after that's how the card is marketed (CK pushed it as the best card for balance transfers), that thought has me wary. When I called customer service, I got a script reading foreign call center who was very awkward. After providing all of my personal information and saying the verification was complete and the card was ready for use she asked "And you are the person who signed up for this card online?" Who else would I be if I just provided all information for the account? Even if I wasn't, would a legit ID thief be like "Oh, you got me!"
TLDR= Activated card on website it said ready to use, used card and it was rejected. Customer service was terrible when calling in about the problem.