Update: Not sure what happened. Whatever it was resulted in credit limit drop. Yet no info was available online to me & I was told all was okay. It took a month to learn somehow a payment was late despite autopay. ??? I fixed it but my limit is still low. *** Started out good. I kept up with payments and was under my total limit. Klarna was helpful for me at the time. Now I get errors and can't do a 4x pay. Two CS people helped but with no result. One person said all was ok; "just wait 20 min!"