I made a $1,300.00 payment in October on my Wal-Mart credit card on time, as always for the past three years. I then made my November payment, early mind you. I then find out twelve dates later, that they have graciously lowered my credit limit for what they state as derogatory information. Thing is, there is absolutely no new information on my credit report How does this happen, and why does America allow people like this to stay in business...