Pros: None. There is absolutely nothing to recommend this credit card.
Cons: High fees, poor service, inflexible policies, arbitrary raising of interest rates.
I have been a customer since about 1978. A few months ago, despite an absolutely spotless payment record for over 30 years, the company raised my interest rate and lowered my borrowing limit based on my "general credit worthiness", whatever that means. My bank credit score was 820 the last time I checked.
I am the process now of closing out the card.
Over the years I have found the fees and penalties charged by this bank draconian and the policies inflexible. Curstomer service is poor. The agents seem to know very littled except how to say "no", and have very little authority to do anything whatsoever except apoligize over and over for whatever goofy thing the bank has done.
I think a score of 1 is too high, but evidently that is the lowest score I can give.