Great card
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.?