If you have one you might want to check your credit score . Out of the blue I checked mine and it shows a false missed payment from 30-60 days that dropped 94 points off my Equifax credit score. I did some online searching and there are a whole bunch of people complaining of the exact same thing. It must be some sort of hiccup in their system or something because I pay over the phone and one month I remember my payment was zero so I didn't think anything of it. I have always paid my balance off monthly Today I waited on the phone for 30 min and the phone lines are backed up. I didn't even need the card ,The only reason I got the dam thing in the first place was because they had a promotion where they gave you $ 50 to apply for the card. it shows up as JPMCB on the credit information site.