Earlier this year, my girlfriend was laid off. I have been supporting the both of us on my modest paycheck. As such, the costs of paying for a house, expenses, and various insurances are nearly exceeding my income. So when needed, I have been using a 5.9% APR credit card. This card has a low limit, and I did not realize when I had exceeded it until it was declined at a restaurant. Fortunately, I have another card which has a very high limit, and which I keep around for situations where my other card doesn’t work for whatever... read full review »