I am a new user. So far good. Application process was tedious. Website is good. Card needs to have photo and signature and can be more attractive. They have good offers and reasonable annual fees. Easy to access customer care as number. I am a new user. So far good. Application process was tedious. Website is good. Card needs to have photo and signature and can be more attractive. They have good offers and reasonable annual fees. Easy to access customer care as number.