had a CL of 2500 and out of the blue they lowered it to 400 and raised APR from 16.9% to 28.9% and said it's due to not using it enough.
Apply during the bonus period. Watch out for the interest rate. It's pretty high but if you PIF you have nothing to worry about.
Customer service: I believe it's outside the U.S. and I've definitely experienced better service. Read the fine print regarding when payments are posted.
This card has cost me $132 in bank fees in the last 2 months. Apparently if u set up auto pay and pay before the auto payment date, it still takes a payment even though the balanve is $0 smh being that i have an account for bills only, this card is always trying to take money that isnt there (bcuz a biller has already taken their payment). Once they try to take a payment, they have to try 3 times before it stops (or so i was told). All i wanted to do was pay the full balance off, now im also going to close the account
Highly upset with my experience today. Intended to apply for two cards: one for a balance transfer ONLY and the other for the cash rewards. I was told I could apply for both. I applied for balance transfer first and was instantly accepted.
Then I asked how to apply for the Double-Dash card and they said I would have to call back because they could only do a single application per call. No problem I figured, I'll call right back.
So I call back to the number the rep gave me. I told the next rep the situation and that I had just received the first balance transfer card. Then they spent literally half an hour on this application.
When they finished I was declined! I have never been declined for anything in my life. I asked why they would decline me for one and not the other and they put me on a long hold.
A man came back and said that I was declined for multiple applications. They would only allow one every thirty days.I told him a rejection was unacceptable because their staff were the ones that made it clear I could call right back and apply again. This rep would only make the same, tired, excuse that his system wouldn't let him do anything about it but would accept no accountability for the black mark on my record based on the staff's recommendations.
He finally just kept repeating there was nothing he could do but told me to have a nice day.