We just got card, but even with scores in the high 700's US bank is not allowing us to charge over 200 at a time, they told my husband that they had to monitor our activity. I can't even use to pay my 250.00 cell bill. So, I filed a complaint about the false and misleading information that they lured us with. Next is to cancel this card completely. We have never had such a poor experience with any credit card company before. Plus I will never ever pay to stay in a Raddison or Club Carlson property again.