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I've just received a letter from Chase saying that my card has been upgraded to no longer have a credit limit, but a "credit access line" (which they can continue to "refer to credit access line [sic] as credit line or credit limit").

Several articles online mention this as a sneaky trap, but what exactly is the problem for someone who checks their spending regularly? Are charges over some limit incurring a higher interest? The only "danger" I've seen is that the card member might be spending more than if they had hit the limit, but I never hit the limit anyway.

marked as duplicate by Dan Dascalescu, Community Jan 4 '16 at 5:00

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    Can you clarify how your question is not answered by this one? – BrenBarn Jan 3 '16 at 8:41
  • @BrenBarn: I did search, as you might imagine, but SE didn't show the dupe question in this instance. I've just voted to close my own question as a duplicate. – Dan Dascalescu Jan 4 '16 at 5:00

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