Another vendor credit card had made a mistake when loading info into my credit report. it took me a month and half to repair and get it straight. I told the bank several times it was a mistake. They lowered my limit and refuse to repair. When I called was told can request a credit increase instead of them recognizing they made a mistake and correct. You can call till blue in face and still get nowhere User's recommendation: loyalaty suck you make effort to be a perfect customer and they punish you cause of someone else mistake.