I did a balance transfer that was supposed to be a 0% interest. I then made a purchase. When the bill came, I paid off the minimum, and extra to pay off the amount of the purchase - Even a little extra just to make sure. Fro two consecutive months I was charged interest. I complained on 2 separate occasions, but each time I talked to some pacific islander who could barely speak English and her "supervisor" who spoke exactly the same way - I still say it was the same girl. This happened twice. The lengthy holds provided no new information - their explanations sounded like the opening verse to Age of Aquarius (think about it). So I emailed several times -no answers. They also didn't pay the mileage for the card to my US airways account - At that point I just said screw it and decided to cancel the account. This bank is the worst. I've has several cards thru several banks and this one is hands down the poorest I've ever dealt with. Don't make the same mistake I did.