I give them props for their AML and anti-fraud systems, which are why those limits exist. I was maxing my buys through them for awhile, and started getting hit with those high-risk letters. Complained to customer service, talked to them a bit, and they whitelisted me so I don't get hit by that. Really liked that level of customer service. I know my mainstream bank doesn't give it to me, no matter how much cash I run through/store in their system.