They scam on the promotional balances. I was charged interest on a balance that I had already paid off. They refused to budge on charges. I can't dispute it because my statements only go back 3 months and since I "opted for paperless billing" they can not provide me with statements from the time frame in dispute. Also, if you pay your bill on the app or online, the payment goes to the general balance of the account, not the promotional balance that will expire the soonest.