When I went over my limit, they sent me a letter requesting that I pay the account down below my limit within 10 days (before my due date). When I didn’t, they raised my interest rate from 8% to 30%. Talked to someone, who lowered it back down. However, their systems kept automatically raising it back up. Called again, where they lowered the interest rate again. However, I was told that their systems were automatically going to keep raising my rate back up. Consequently, to not have to deal with that I paid my account down through a debt management program to get my interest rate back down. Now, even 11 years later, they’re still holding it against me will not give me a card even though I paid off the full amount. Be warned that if you do something like this, your credit is ruined forever with this bank.