I had the card also. They were late on applying my payment due to the labor day holiday and charged me $36 late fee. I was very mad. NEVER late and always paid in full. I called, they would not reverse the charge, they would not even look at my previous account payments (always early) so I closed the account. I had put $13000 on it in 6 mos and now THEY lost my business also. The card could work if you owned a business.
But for the working man, IT SUCKS!!! But I do love cruizing on CARNIVAL.
Huge interest rates, but it sounded good. Just not for me. Good Luck to others.