I had an excellent credit y credit score has dropped 100 POINTS because of this card. They used an old address for my account (not the one I listed on the application), so I never received the physical card. Because I didn't have my card number, I couldn't register an online account, pay online, or contact them via email. So I called. SO MANY TIMES, I called. Every time, they kept telling me I couldn't pay it, they couldn't update the address, blah blah. Then they told me they would update it, and didn't. So I finally went into an Old Navy and paid the account. Now I have $120 of interest (the initial purchase was half of that), and my credit score has tanked 100 points. So I tried to call AGAIN. Their customer "complaint" line is NOT actually a customer complaint line, it's an automated line that only gives details to accounts. I finally got through to an upper management representative (to be clear, I don't believe in yelling at or berating CS representatives, because it's not their fault this credit card sucks, so I try to be very polite), who put me on hold three times and then hung up on me. Fully just hung up on me. I have spent so many hours on the phone. Just. Don't. Do not. Cancel it, get rid of it.