I use my card and pay it off. I like to use this card for travelling, because of the benefits. The last time I traveled with my card, I came home to find out that had my trip cost an extra $16, they would have slapped me with an over the limit fee because they lowered my limit SIGNIFICANTLY. I called and spoke to 6 different people. No one could give me a reason other than they are reviewing everyone's accounts and lowering limits wherever they could. I told them that was ridiculous the way I was notified (I actually found out when I went on their website to pay my bill, BEFORE I received anything...