This is by far the most difficult credit card company I've had to deal with. After placing two separate calls to customer service, I STILL cannot access my account online. I've had to answer over a dozen "security questions" to verify my account. The customer service agents have difficulty pronouncing the various models of cars, universities, etc. that I may or may not have purchased/attended causing issues. In fact, the customer service BS feels very phishy and made me uncomfortable with the security protocols. The potential to earn airline miles is not worth this ridiculousness!!!