It used to be GREAT! Synchrony Bank took over, and watch out. Paid off my balance in two months and got charged a bunch of interest I wasn't aware of. They would not fix it after four phone calls. Reps and supers are instructed to say it's out of their hands. Predatory business practices, condescending attitudes, broken promises, and sky high fees even paying early. If this sounds like your cup o' tea, you've been warned.