Does anyone have any experience with this card? I have had it for 11 months now and still only have a $350 credit limit. I have a CAP1 $300 limit, Get Smart $500 limit, Optima secured and This FNCC card. I have 5 charge offs from 1995-1997 (1 paid). I have been perfect on my credit for 24 months. Is there a better option for me? Any help would be appreciated.