Long story short, we had a citi card, started off at 6k, got a nice bump to $ 7600, used it on the cruis ein January, paid it off. Charged it up and then balanced transferred for 0%, was a payment of $ 1700. To mine and my wifes shock, the credit limit was dropped to $ 500, she called and asked why and the CSR said, because of an Equifax cr, that there were negatives on her cr, is why the dropped the CL. I told her to close the account, after about a yr and a half of good faith, they drop it to $ 500, thanks but no thanks, they will never get another red penny from me. My rant is over now.