I have had this account open with Household for over 3 years and never been late or over the credit limit. Over time, they've increased my credit limit, as long as I didn't use the card. In October (two months ago), they charged me $59 annual fee (on a $500 credit limit, which is exorbitant, but I kept the card anyway. Over the last two months, I took two cash advances ($200 in one month, $300 in the next). These were for business travel cash while in other cities. I paid back the first cash advance the following month in full... read full review »