We had a major issue with a card that was applied for last year and never received. The only bill or mailing that I ever received was one year later when a bill was sent for an annual fee. This bill was for a card that I had never received. I called and they refused to take the charge off even though the card had never been used. I asked if I would still receive my 20, 000 points and free night if I paid the fee, she did say that a credit would be issued for the free night with marriott rewards. I called them today and it had not been done. Also, they have now issued a late fee which they refuse to remove. Very poor customer service.