Worst predator bank ever. Preyed on me for a year until I took the bait and applied for their ridiculous Alaska Airlines card. The card has annual fee so it's no bargain to begin with. Astronomical interest rate of over 28 %. But alas, turned down because I don't buy on credit enough and failed their "validation" test. So, they milked my personal information and no doubt will sell it for gain. Stay far away from this useless company. They live up to their despicable reputation of 1 star.