At first the card was fine they gave me $32,000 based on my credit then later on lowered my card to $18,000 for whatever reason. Texas had two hurricanes one in July we had no power a week I called and informed them I would be late then August we had another hurricane and again no power for a week I called again to communicate the issue asking for a courtesy. So far it's been awful they have had my account under review pretty much since July it seems as if they closed it. I've been calling for months asking to speak to a supervisor to review my account showing I never been late past two years. They can never give a strait answer on when my account will be active but each month still looking to receive payment, I don't recommend this card unless you pay full balance each month, the fees are insane ! Stick with American Express and chase they give you large amounts and don't cut your card off with no explanations besides oh you were late. I was only one week late each month and I called in advance. Literally avoid this company there are many others out there that treat customers better.