Yes, service is horribe on this card. I got the card in August of '05 and charged over $250k on it through December. I disputed a charge of $450 and was told to fill out some paperwork. I mailed it in and thought they would follow-up with the merchant to handle the problem. I was told I had to try to settle the dispute with the merchant. I proceeded to explain that I was never told of this and that I already spent some time filling out all of their paperwork. I then said that my paperwork was very thorough and they should be able to take the next step. I received the "It's not our policy, sir..." line and was told this was the only way for me to solve this problem. I also explained that I have had two disputes over the years on my AMEX cards and they deal directly with the merchant to solve the problem. "We are not American Express sir...." blah, blah, blah.

Haven't cancelled yet but I have gotten a different primary Master Card. Their loss, I've charged over $200k since on my US Airways Dividend Miles MC