This card sucks! If you make a payment of $50.00, they hold your money for 5 business days. I was on hold for 20 mins waiting for some one to answer and then I finally got someone who picked up and hung up the phone on me! Then I called back and was only that phone call for 55 mins before someone answered me. I have another credit card with First Premier that I've had for 9 months and they have been nothing but great! I make $400.00 payments at times with access within 24 hours! Today I closed this account due to the hassle and would definitely NOT recommend this card to anyone. I close the account and it takes 3-4 weeks to get my deposit back!