Got my card last May. Since then (initial limit of $400), I've used my card regularly. I've had three total GLI's, first to $600, then a big jump to $2500, then just this week I called in to inquire about my total Star Rewards purchase summary (how much $ I've actually spent) to see if I can get a new card color, and got another $700 increase without even asking for it... so $3200 is my current credit limit, and I hold a balance of around $450. I make two or more payments a month, both online and at point-of-sale at the store. Hope Macy's continues to be kind to me.