I feel like I'm ranting here but, Pen Fed just raised my credit limit on my Visa from $5K to $25K automatically. I've had the account since 7/09 and I opened it with a $10 share account. My share accoubnt is still $10. I called them this morning and they also pre-approved for a 2.99% interest car loan. Their customer service is fabulous! They called me yesterday to tell me they were raising my credit limit!
I called Discover in August to see if I could get my measly $1700 limit raised so I could take advantage ot their 5% cash back on travel for the trip I had planned and they told me I appeared to be a credit risk because I revolve a $700 balance on a signature card. I'll pull their card out once in a very great while to dust it off by buying a pack of gum on it.