They took over Washington Mutual and my Visa is (was) with them. They suck so bad I paid off the card just to be rid of them. I e-mailed customer service and got the most canned answer I could imagine about one item, and the second item I emailed about was responded to in nonsense. Their response didn't address my issue/complaint/request at all.
Yeah I really don't like their CC's either. I have the Disney Visa and tried to add Mike on as a joint holder and they won't do it unless we send in all of this additional information that I never had to send in initially to get the card. Their reasoning is that they are required to review the information because he may be a terrorist. WTF?
We are currently shopping around for a new joint card and I will be putting that one in the bottom of my drawer for use only when we go to Disney.
I'm so glad to be rid of them. We had a credit card with them for about 12 years, and it was like they couldn't care less about us. All we asked was that they match the lower interest rates we were getting from their competitors. Nope. A 12-year history of no late payments meant nothing to them. Kthxbai.