Would give a Zero if possible. Customer service amounts to nothing but a run around with a person who barely seems to comprehend the English language. I tried to close my account multiple times, each time I called they said there were not any notes from the previous time I called. I was finally successful in November after receiving a notification that my account (which should have been closed, had a zero balance and no activated cards) had a past due balance of $49.00. After a long, frustrating call with (I'm assuming)India, the representative successfully closed my account and said she had gotten permission to remove the $49 fee. Fast forward to January- I have received a past due balance notice AGAIN for $49! I called and for the first time spoke with someone who speaks English as a first language. She stated that my account had been successfully closed but there was not a note about the $49 being waived. I went ahead and paid it just to be done. I have NEVER written a review before- even after receiving bad service- but this experience has driven me to write one. If you plan on opening a credit card, do your homework and go with a different bank.