I really hate credit cards. I have been paying this card off monthly even though I charge large amounts onto it for the rewards. There was a $4000 limit and I charged the remaining amount of my trip as well as some other large bills before we left in June. There was about $3500 charged on the card then. I paid it off right before we left on May 30 and we get back from our trip to find out that they've decreased our credit limit to $600!!! I was furious. I'm fed up with them and I will not use this card again. The rewards are not worth it.