> They have obscenely low limits which adversely affects your credit score as relatively small purchases can end up using a substantial portion of the available

> They have obscenely low limits which adversely affects your credit score as relatively small purchases can end up using a substantial portion of the available credit. Balance vs total credit (available credit) is a very important factor in calculating scores and credit worthiness. I would say this was my experience with them - having large credit limits elsewhere, I could only get an initial 300 later increased to 1500. I was stupidly lured in by an initial 25% off a 4-figure purchase and 5 cents on the dollar reward. Ultimately, I was a responsible pay-off-the-balance customer so one wonders if this wasn't a way of ridding themselves of an unprofitable consumer... Hard lessons learned there, sadly.