I recently had my credit limit reduced from $ 15, 100 to $ 3800. I was advised in the letter that was sent, that this was due in part to 2 reasons: 1.) I didn't uses my card regularly (it has been paid in full for approx 9 months and not used again as the interest rates have sky rocketed even though my payments have never been late) 2.) They state that the Experian Credit Report that was recieved "Showed too few trades paid as agreed". I am not late with payments and pay all of my accounts as agreed, I subsequently... read full review »