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Thanks everyone. I called customer service last week because I kept getting the POT popup but never received the offer. Asked them when I might expect an offer and was told more than likely at years end, then boom, got the invite a few days later. I'm sure I'll never use it but there is peace of mind knowing it's there if I need it. I have seen that the 10K offer was being made more as of late, so maybe I got in while they were being more gracious
My utilization never goes above maybe 1.5% then I pif as soon as the charges post. I hate carrying debt so that won't be an issue with me. I'm a banker so I know the slippery slope and see people sliding down it everyday...