Current customer had my account over 1 year all payments on time all current account in good standings applied for joint account with my wife they excluded her info have me account refused to add her to my account said I'd have to reapply and then wouldn't even increase my credit limit when I was told after making on time payments for so long they automatically review your account for increases outrageous interest rate suppose to help you build credit garbage we will be paying our last 2 payments and getting rid of this crap card stay away from these people