I too had a Wal-mart card that had a $600 limit and after Thanksgiving I paid it down to $150 because I am working at getting my credit ratios down. Ok Fine.. 25% sounds good until I get a letter less than a week after payment posted that my credit had been reduced to $160 due to a "periodic review". My score is above 700 but they showed me as maxed out once again. So I paid off the bill and will never use the card again. Unbelievable! No wonder people have crappy credit.. the companies are all working together to keep your score down so they can justify charging 29% interest. Cash is king again in my house.