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Only applied, due to them sending me an preselected letter i received with an apr of 16.24% and 0% for 18 months. I only applied due to the set apr in the letter. Didnt receive an instant response, but an email a few days later stating my card was being sent. I recieved the card and my limit is a whopping $500. I dont even have a card less that 5k, so I don't even understand why they would give me such a useless limit. I do admit my uti is at 39% due to some unexpected home repairs, but i would have rather them deny me than to give me such a low limit. Should I call and request a higher limit or should i just use it for small purchases and wait a few months and ask? Thanks
Can you simply decline the card?