Happy they gave me a line of credit for $1,800, but they kept lowering my credit line when my credit fluctuated (down the up then down) . I never had a late payment recorded on my credit for Upgrade or any of the other credit cards I had, and they just lowered me eventually to $500. I owed $986 and it made me look like I was over my line! Paid it off and closed it. No, thank you, Upgrade! Now my credit score is shooting up again after paying all of mine off.
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