This credit card company is a fraud. Unless you are planning on getting a GM vehicle, do not get this card! You can't use the "earnings" for anything else, other than a car, and even so, they give you very little points. My main complaint about them, however, is that they hiked up my APR by 15% just before a bill was passed that would prevent companies from doing this. I have never missed a payment on my credit card, never late, and always paid more than the minimum. These opportunistic crooks will rob you blind! I am stuck paying... read full review »