I had this card and did not use it for first 2 weeks. When I finally got to use it, I come to find out that it had been cancelled without any reason. I called and 2 different associates attempted to help. The first associate hung up on me, the second couldn't get off the phone fast enough. She told me to just wait for a letter. I've bought 3 cars in the past 5 years from Toyota, but never again. What disgraceful business. BTW, my credit is pretty decent.