After Aspen closed my account, I started looking hard at my wallet and thinking which of these cards are working for me. Soooo I have started closing accounts Chevron no cli ever. Macys 100.00 CLI's every 4 months only $400.00 started with $200.00. Next on the list is Direct Rewards Discover. I am sure I will take a hit on my scores, but I would rather have a good card with a decent limit that rewards me for my on time well over the amount due payents.