This is the worst credit card company I've ever witnessed. Each call renders you on hold for 20 minutes each time! I canceled membership shortly after receiving the catalog, because I did not care for it at all. I have been waiting for over one full month for this company to reimburse me for the initial membership fee, as I canceled within the 30-day trial period. It may only be $120 but I did not make them wait for them to begin the membership, I am tired of waiting and getting the run-a-round from the representatives of this company.