Arbitrarily lowered my credit limit from $49, 000 to $25, 000. I have had the card for 15 years. I never carry a balance (i.e. I pay the full balance every month), and I have never had a late payment, and I my balance never approaches the limit. I called to question this and they lowered my limit to $20, 000 as punishment for questioning them I guess. I have never asked for a limit increase and this is the only credit card I use. Cutting my credit limit by 60% on the only card I use has had a significant negative impact on my credit rating.