After reading the negative reviews, I was a bit hesitant in applying for the card. The application process was easy and quickly received my card in the mail. The main reason I applied was for the balance transfer promotional apr. I was able to transfer two credit card balances without any problems. I set up the balance transers online. I agree with some of the reviews that the website and the app are not user friendly. Once I figured it out, it was easy to set up payments. I've never contacted customer service.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR 0% for 15 Months
- Balance Transfer Regular APR 14.24%, 20.24% or 25.24%* Variable
- Annual Fee $0
- Purchase Intro APR 0% for 15 Months
- Purchase Regular APR 14.24%, 20.24% or 25.24%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
I got this as a balance transfer card because of 18 months/no interest. This is the absolute worst experience I have ever had with a credit card, or simply any customer service i have ever dealt with. i have 'missed' multiple payments due to their incorrect inputting of my info, which has impacted my credit score negatively. There is not way to make an online payment, and they send no confirmation to you when you tdo make a payment. I've had to call, spending over a half hour on the phone every time, to make my on time payments, only for them to input info wrong or not process the payment, resulting in my being considered past due and incurring fees. Customer service is a nightmare and is not helpful at all, anything you want to do other than make a payment (which they cant even accomplish succesfully) they will refer you to someone else, who in my experience cant resolve anything either. I would advise anyone considering applying to stay as far away as possible. This has been a nightmare without an end in sight, my account is now considered clsoed due to their incompetence and I am powerless in trying to change that. I am reporting them to consumer affairs and the BBB as they constantly fail to prpovide the service they advertise.
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