Negative 100. This card is as close to a scam as you can get. And the customer service is pathetic and non existent, if you can even get someone on the line. It's actually more helpful if no one picks up at all, and certainly less frustrating. There is no scenario that it makes sense for anyone to get this card. And once your balance gets high, they introduce new fees and monthly charges to trap you. Even closing the account hurts you, which is how they force you to pay. If a comet hit earth and landed on their building, I would thank God for the blessing.
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