I applied online for the Credit Card and it took them forever to send me the card because they claimed they were having technical issues. Meanwhile they contacted me with very odd questions to confirm that I was the correct person who applied. Eventually I was sent the card but within a week I received a letter from them stating they had closed my account because they were not able to verify my address. Keep in mind they had called me before they sent the card wit the odd questions to verify who I was and verify my address which they were able to do. I have at least 4 other credit cards to this same address along with all my utility bills and this is the correct address I reside at. I called customer service, they could not help me but gave a credit department number which supposedly is open from 8:30am to 4:00pm but when I call during the business hours no one is available and I am asked to leave a message. What a horrible company "PARTNESFIRST" BMWCCA chose as a partner for these creadit cards. Is anyone else having similar issues?????