The "perks" of this card are not worth the hassle. I set up automatic payments numerous ways and their system would kick it back 10 days later and then charge me a late fee. I called everytime and it seemed to be a regular occurance because the rep finally said, "its better to set it up thorugh your bank instead of your card". When this happened on my first statement I had set up the automatic payment to pay in full, when it got bouced back they immediately closed the card! So when i called they re-instated it, and a few months later they closed it again. I always paid the card off. Such a pain the a$$. Good riddance.