Have been paying on balance transfer with lifetime rate of 1.99% for awhile. About a year ago a $1.75 minimum interest payment was substituted for my monthly interest charge, which should have been about $1.00 or so. When I finally got tired of this gouging I contacted the bank via letter and was given a canned spiel about the minimum fee being allowed under my amended agreement. When challenged about the lifetime interest rate being ignored they countered that it was because I had a revolving balance.
The only revolving balance on my account is an unknown charge for approximately ONE DOLLAR which has not been paid off even though I regularly pay 7.5 times the minimum payment ($75 on $10 minimum), which appears to be in violation of the CARD ACT requirements. When I reminded them of this they just sent me the same canned crap and claimed that they can apply the overpayment to any balances that they choose, which in this case means they will keep the ONE DOLLAR on the revolving account so that they can keep charging me at least twice the amount of interest that I actually owe them.
Run, don't walk, from these greedy bastards!
I cancelled the Visa card on the day I activated the card.
The website is terrible and it will ask your full SSN just to create username for online access. They have no business asking for your full SSN to create a username and setup a password. Don't do it, think hard and think twice. Their website is ugly and poorly designed. I've wasted 30+ minute trying to just to do a simple task like creating username and password. But it doesn't matter however you do it, you'll end up getting an error and call customer service.
The customer reps were beyond rude and incompetent. Tech support didn't know anything but resetting password. They are at lease 20 years in technology. Don't do it if you are tech savvy busy professional. They will just waste your time and make you frustrated.
Too bad the excellent airline like ANA partners with the worse credit card issuer like First National Bank. I wanted to earn miles for ANA airlines but it's not worth dealing and risking with First National Bank.