I opened my first bank account and credit card here at 16 years old. I still have my measly little $300 credit card, yearsssss later. I had three late payments over 7 years. My fault, but due to incredibly stressful situations and starting as a special ed teacher (i.e. no paycheck that summer as I was also a college student and couldn't take on another job). Besides the 3 late payments, my credit report and debt to income ratio are SPARKLING. But the late payments dropped my credit score A LOT. Wrote to the bank, explained my situation, let them know I've been a LONG TIME customer... they don't give a fuck. Won't help me at all... Keep in mind they have the option of givimg "goodwill afjustments" to customers (which is what I requested). And they took the MAX amount of time they possibly could as allowed by law to even reply to me. Going to pay it off, close all my accounts with them and warn friends to stay away from their heartless company.
Do NOT recommend.