Let's talk about Binance:

• Binance Improperly used users' funds to take over the Steem blockchain
• Binance does not always refund your money - violating our property
• Binance is almost constantly with Hive in maintenance mode.
• Binance will never return any Hive Dollars you send to it
• This user sent Hive to Binance, and they refuse to refund it!

Read about it here

Ionomy, HitBTC, and Bittrex have always credited my account when there was a mistake in the memo after communicating with support.