In all fairness, it's YMMV, I have heard nothing but complaints about CS, misapplied payments, lack of a decent credit line, ridiculous fees, incorrect reporting on credit bureaus, when a credit line is supposedly increased they send another low limit card to compensate, etc.

Only on two occasions, one of which is the previous post and another FT member on another thread stated they have had large limits, so they do have them available. But other than that, not much on the plus side, most issuers have a few cards with no forex fee if that's the only reason to apply for crapital none. Penfed is a good option.

I have not experienced the heartache of CrapOnEveryone, but I am sure there are more reliable credit issuers and offers out there than just the one.