Agree with the comments above about incompetence. Was told by BRANCH MANAGERS that the best way to build credit was to carry a high balance and make payments (turns out high utilization hurts your score, thanks CK for the awesome credit simulator).
I keep almost all of my money with Commerce, and have for +20 years. I applied for a credit card while in college and was approved, but it has been a nightmare ever since. They have kept my limit at $500 for almost 2 years, despite NEVER missing a payment and never carrying a balance (FICO 752). I wrote a letter to the execs to ask for an increase, they are completely unwilling to budge. I am taking my money OUT of this bank immediately. Unfortunate... I like the card just fine. Just hate the bank.