I've been a cardholder for nearly 25 years and until recently have given this company rave reviews. Recently spent thousands of dollars on furniture that arrived many months late and damaged. Cust Service rep I spoke to today says too bad, they're "only" the payment vendor and can't help me, and further she is prohibited from putting this, or anything about their dispute policy in writing! Time to find another credit card company. NOTE: I have the Discover More Card but didn't do the "18 month promo balance transfer". Couldn't find just the normal Discover Card in the list here at creditkarma.com.