Well I got the approval. Thanks for all the help. I've now got all of the cards i want rounded out. I'll be using this for Non-catagory spend for the first year and for the 5% catagories the first year. 4.5k is kind of an add approval limit? Or is this in the ball park? Can I call and get a CLI when activating? I'm hoping to make a large purchase durning the home improvement catagory of around 3k. So I would like 10-12k total limit.