BEWARE of this card!! The service from First USA is terrible. Constant problems getting payments posted in time - thus, they charge a finance charge. Many times, even when it posts in time, they will still charge a finance charge. If you call (going through all the prompts) you can get it reduced, but who has time for that!?

For me, it's no longer worth the hassle. Marriott needs to move the card to another credit card company (Amex, GE Capital, anybody!!)

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Traveler113