Ive had the Chase British Airways Visa Signature card for almost 8 years and although these forums seem to hate on chase quite often, Ive never experienced any issues. In fact, I usually go to Italy to visit family about twice a year. Last year, I came home and noticed about 4k in charges to Alitalia airlines that I never purchased (If you have ever flew Alitalia, you would understand why I would swim before I get on their planes) and I called up their CSR, which, at least for the British Airways card, is a dedicated line and the charges were reversed that day, never heard another word about it except to sign an affidavit stating I did not purchase the tickets.
As far as PC'ing to another card, I wouldnt. Since you stated you pay in full for this account, the Util % doesnt matter, assuming you pay before statement cuts. However, if that is bothering you, the next time you need to make a large purchase, say 5k or over, buy it on your card, let it report, and voila, you have a new CL. I did this on accident several years ago. Remodeling a property, I decided to purchase all the new appliances, water heater, AC, etc: and so now my CL shows somewhere around 15k, however, it is actually over 20k.
Sorry for the length, but I would reccommend against PC'ing, especially if they have a dedicated line like my BA sig visa has, its worth the CL issue just for that issue alone.
