I use my Amex 95% of the time....don't know where you're trying to shop but they probably serve coffee in a f**kin jar so wouldn't expect much from them.. As for credit card limits, it's really not an issue. If you're going for a loan you decrease the limit, get the loan, increase the limit again. The cba lender chick did it for me off her own back... Literally zero effort on my part. And I mean literally in the true sense of the word, not literally in the way every f**king idiot uses it these days