This company is horrible!!! I had my account for two years, never late or over the limit. Paid it off every month, yet I just got a letter stating due to the number of credit inquiries over the past 6 months they have decided to close my account. I contacted the credit department and was advised that the bank is not currently accepting applications and they needed to reduce the bank's risk for bad credit so a good portion of accounts are being closed. Be cautious, they can close your account anytime for no reason. Also, I had 9000 rewards points, guess what...GONE!!! This bank is horrible!!!