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Criminal Law

: Crime & Federalism

Banks Reducing Credit Card Limits

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This is the Decline.  Many Americans live off of their credit cards.  Now banks are lowering credit limits (story here):After a weekend getaway in New York City, Joseph Lanza logged onto his Bank of America Visa account and was shocked to see that his line of available credit had been reduced to $1,000 from $3,800. Because of the recent charges from his trip, his balance was $970, dangerously close to his credit limit. "I had been trying to pay my debt down to improve my FICO score and also my debt-to-credit ratio," said Lanza, 26, who works at an investment firm in New Hampshire. But despite making timely payments and keeping careful track of each charge, he said, "It feels like I'm running up against a bunch of walls...continue to full post

Full post as published by Crime & Federalism on September 26, 2008 (boomark / email).

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