have the same problem have one account that is 5000 and another one 6050 havent been able to get an increase for one and year and three mos. they are both orchard bank premium mastercards have 2 percent cash back and no annual fee. i have called corperate many times and cant get anywhere as soon as obama changed the rules that is when the cli s stopped. they claim its a business decisons and they have to update there computers how long does it take really to update the computers.