After reading all the complaints received I called and cancelled my application for this card. The lady in customer service laughed and said, "Yes, many people have complained". I told her I would be cancelling the card. To which she started mumbling and I asked if I would still owe even though my application was approved less than an hour before. She began talking very vaguely and I told her it was a simple yes or no answer to which she answered that my account was closed like I asked. I have a feeling I am going to get a bill for 175.00 for the annual fee. I wish I had read the reviews prior to applying. I'm not sure what I should do now.