I wrote a review yesterday and now it's gone so here we go again. I've had this card less than a year. I paid off the balance, and a week later I received a credit line increase. I also went to purchase concert tickets as a gift on the same day as the increase and my card was DECLINED 3 different times although there was more than enough of a credit limit on available since I had paid it off just the week prior. I had to use another means of payment. Absolutely terrible! I DO NOT RECOMMEND!