I got Barclay Rewards in July '12 for the 0% BT/purchases for 15 months. Put 3500 BT and 500 purchases onto the card right away and leave the unpaid balance at 4k every month. I usually put about 500ish a month on it and pay it back to 4k end of each month. Have had about 8 or 9 statements cut and have never heard from them about a review, CLI, or AA. I will probably leave the 4k there until BT is almost over then PIF and will probably run a little more a month through the card at that time. I don't mind carrying the high util since I don't really need to apply for credit anywhere, except a car a few months ago which I was fortunate enough to get the best rate on even with highish util.