I'm amazed that a first-class company like LL Bean would be using such a 3rd rate banking card company to do their business. The transition was very poor. Took me 1 1/2 hours to apply for the credit card. I felt sorry for the customer service reps at LL Bean for the grief the "powers that be" at LL Bean put them through. One rep told me that they did buy the phone reps bagels and donut holes for the job they did on the first day there was a change over. I don't doubt that the CEO, President, etc of LL Bean was not helping on the phones. I had to deal with people in India to apply for my card and then it was like pulling teeth.