DONT GET THIS CARD!! I have Capital one credit cards (which are great) and I got pre-approved through the mail for this card from "credit" one with the same logo. Granted, I'm the idiot that didn't notice it was different than "capital" but it happens. I've used the card for a couple of months and hate it. First off, their website is awful. If u can figure out how to pay your bill online then you defeated their adult proof site. So I called to pay it and he said my account needs to update before I can pay it. WTF! I don't know how to work with a company that forces you into late fees. So I waited a couple days until I got back from vacation. They called me 14 times the day it went passed due! Seriously! I finally cancelled after the second time it happened (in two months, 2 for 2) but I had to talk to 4 different people from India for about 45 minutes. The last guy tried to waive a bunch of fees and explained to me how important it is to build my credit like I was a 12 yr old Indian child. He talked for 10 minutes without a breath before I finally had to interrupt him and say "Please cancel my card!" I felt like I was pleading with a gunman. STAY AWAY!!!