Hi. I hope someone can help me with this. I have a regular PNC Visa card with a 15k limit. I am fine with that. I recently got a letter stating they are “upgrading” me to a PNC Visa Signature card. It states it has a flexible spending limit that permits a person to exceed ones established revolving credit limit. I do not like this idea. This type of card can actually HURT my credit score correct? I know Citibank is always trying to “upgrade” me to a card I do not want because of that same baloney and a card that does not have any appeal to me. I remember years ago reading that cards like this hurt your credit score. Let me know about this PNC “Signature” card as much as you can. I already want to call them and decline the so called “upgrade.” Thanks.