Have had the card for 4 yrs.
Have put most of my non-bonus spending on the card.
Lately, my spending needs have grown, and I found myself bumping against the $49,500 CL every month. All legit spending, no MS.
Which is obviously pushing my score down since I am nearly at 100% on this card all the time.
I called to have CL increased - was told can't be done without a hard pull. I've charged and paid in full millions of dollars over the last 4 yrs, what other info are you looking for?
Nope, not enough. Need a credit pull.
And we can downgrade you to a no-fee card if you like. So, like, I should give up 1% of $500K to save on the fee?
No thanks.