I just submitted an application by recommendation of a friend and misunderstood how to go through the proper recommendation for their $20 bonus. I called their customer service line told the representative what happened and that I applied less than 12 hours ago. Then came the, “so you’re only applying for this card for the $20…” That is NOT the response I should get from a company I’m about to store thousands of dollars at! They know nothing about me and yet choose to accuse me. I’m not going to put my money in a bank that doesn’t have a customer oriented business strategy.