One of the worst customer service ever. I've had my card for over 5 years. I've been past due on the payment date, but never delinquent (30 days past due). I appreciate reminder phone calls but their customer service is out sourced to India. I received a reminder call recently from a male person who obviously spoken English as a second language, was extremely rude and condescending. He was literally interrogating me on why I hadn't paid my bill. When I asked to speak to a supervisor, the supervisor wasn't even sure what credit card they were calling about. I tried to call the next day and couldn't talk to anyone in the U.S., even when I asked for the collections department. I have a small balance so this will be paid in full and I may only keep it for my credit history and emergencies. P.S. Do they pick their names out of a hat? Jennifer. Really! BTW, Capital One's customer service is excellent!