they are strange.  I called for some info on my gold card (had it for 5 years).  I wanted to see if it is one of those starter cards that is maxed out at 1500.  She told me she would upgrade me to a platinum but could only give me 400 cli.  OK.  I get a letter week later saying they can't upgrade me as my cli has to be at 5000.  Well at the rate of 400 every 4 years I can't see me getting luv from them and on top of it all they lied to me.  They are the absolute worst and I don't know why I stay with them.

what are your limits if you don't mind me asking.  btw  i've never been late with them.