Just got off the phone with a rep from Citi, they are in the process of switching many customers to a 'world' card that has no penalties for going over the limit. (Customer just needs to pay enough to get balance below revolving credit line each month). Does anyone have comments on why they would be doing this if credit risk/default is so high right now? Are they trying to get more business from low risk customers to offset other losses? Or is consumer credit risk in the media exaggerated?