I have been hit by the "tightening of the credit markets" that we've been hearing about in the news. The credit limit on one of my major cards has been cut in half, even though I've never come close to reaching said limit and pay my balance in full each month. The customer "service" chickie to whom I just spoke, said "Well, if you don't use that much credit, why have it?" I said, "That doesn't mean I won't NEVER need it." Then, she said, "Well, you can always request an increase if you need it."
No wonder the economy is such a mess.