Reply #84: Credit card companies start getting twitchy when they don't like your spending pattern

[Pithlet]

This can simply mean shopping too many times at discount stores. Or it's a store that other defaulters tend to shop at, so maybe that means you might be a defaulter, too. Credit card comoanies then reduce your limit or cut you off completely. This affects your FICO. Same thing with living in or moving to a neighborhood where there are a lot of forclosures. This makes them nervous, too. Your debt ratio affects your FICO score. When one credit card company does it to you, chances are your other credit card companies may as well. More dings on your FICO.