My experience has been horrible. I started off with a high limit, they dropped it to less than half; not for none payments, not for bankruptcy, but for student loans and high inquires (buying a house). This has never happened to me before, and mind you, I have multiple synchrony accounts that I use all of the time that have not lowered my limit, but occasionally increased it. Do NOT get this card, it's not worth the 10 dollars saved on your Verizon account. It's also annoying...