Other thing to keep in mind is that if you are over the limit at statement date for four months in a year you go to default apr.
That is something I did not know.. Interesting. May explain why my Citi AAdvantage card went to 29.99 a couple years ago. Although I don't recall going over the CL that many times.
careful with the "check spending ability" page. I've heard it could possibly trigger an FR.
Ooops. I hope they would understand my explanation of playing with the website on a new card...haha