This is the worse card ever, when I originally got the card my credit score was a 711, and I purchased my new truck and bought some rims and tires for it, both purchases they pulled my credit. My score dropped below a 700 for about 4 months and Barclays dropped my credit limit from $7000 to $2750 and I had $2000 on it already, so it made my credit usage go over 65% on the card and you know when you get up to that kind of usage people start looking closely at your credit. Now keep in mind, I have never ever been late on a payment and always pay more then the minimum. My advice get a discover card, they will stand behind you. I mean isn’t the reason to have a credit card to use it, not be punished for using it