I read these negative reviews and will not even consider it as a result! The whole selling point was to have lower % but sounds like it's better to pay for better services and no hassles. Capital One has helped me effortlessly to return stolen funds through a scam within 7 - 10 days last year. I'd hate to give up services that good for something that could actually harm my credit - which went from 325 to over 600 in under 2 years now! Knowledge is power folks. Keep sharing it! Thanks
Never owned it or applied but don't have the choice up here to say so in order to send my review!