Yes, I have experience. They closed my accounts after 5 days on financial review b/c they did not get the tzx records back fromt he IRS. When they did get the records back, they opened 2 of the 3 accounts that had no balances. the 3rd acct had a 1.99% balance transfer (for the life of the balance) they told me they would not reopen that one unless i agreed to a change in rate terms to 13.99. I told them to leave it closed and I would pay the balance off over time (making the monthly payments or more at 1.99%). When I applied for a corp card, they denied it claiming another acct had been closed. they looked to see that i had other accts, and approved the corp card, but i was told that if they EVER close an acct, they will never open another one for you again.