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00tcham2

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Credit increase or decrease
I dont understand why i loose points for credit decrease when the party that decreases my limit increased it in the first place.Here is the kicker,they increase it and if i dont use it by a certain time frame then they will decrease back.Does not seem fair to me,if i dont want charge nothing i should not be penalized.Iam not going to charge things just to keep the credit limit increase that i didnt ask for anyway.Explain this to me please.

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It's business, the company want to make money off you financing items that you pay interest on. The more you charge the more they make. If you don't charge at all; then you become the topic of discussion in their quarterly meetings: How can we increase revenue???

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