Thanks ! Before i got Amex my limits were low,. Barclay Card 1300,Orchard bank 400 secured 200, and aLine of credit for 1000. I have had the amex up to 800 and PIF, although anything i charge after the due date i let report then PIF again. The most i let report was 350 bucks. I put around 1500 a month on my amex,the others are always zero.