Thanks for the reply... I will need to start taking advantage of their online shopping and discounts.

I too am after the cash back, playing the game so to speak!

I did call them at 90 days and asked about a CLI and they were of course very nice to me. I agree their CS is top-notch. I guess I was blowing some steam becasue the CL is so low. As an example, Amex Costco is $22,200. Discover is $1500.

Feeling better already! 

Ray