The limit stuff is a little confusing then. My M&M combo Visa has just a 4000chf limit, but the Visa gold I have from my bank (UBS) has a limit over 10k chf. So could it be that M&M is just a lot more concervative with their credit ratings?
I'd rather earn the miles by paying with the M&M CC than my bank CC.
Guess I'll fill the form asking for a higher limit...