I just canceled by Centurion Card after only 1 months use. I was upgraded from the Gold with an assurance of higher spending limits (My Gold was set at 100K which I had to pay down in advance about every other month). I hit 140k and Ax balked. They called to say my limit was still 100k. I've carded over 1 mil in the last 6 mos, have a perfect pay record with AX. They seem to base their spending limit on you immediate availabel cash. No IRA accounts considered or AR accts considered for businesses. I get the same limit and most the same features for the price of the Gold, so back I go. I did try their reservation service for a restaurant in NY, they were unable to improve on the reservation I already had. My advice, stay gold and save the dough.