I agree that Bank One isn't the best outfit to deal with. Luckily, I don't deal with them too much on anything outside the ordinary. I have my UA card, I haven't had problems getting the statement on time and haven't had problems getting payments posted on time. As long as that continues, I guess it'll be okay. I don't use this card outside the country (use one from MBNA instead because there's no surcharge). And I don't think I've even had to dispute a charge with them. That's just luck of the draw, though. One day I might. MBNA has been excellent in service. Wouldn't it be nice if the UA card was from them instead?