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Ideally, you do not want to be regularly maxing out your credit cards. Many banks are attempting to shore up their risk and are reducing the amount of available credit that their cardholders have. Unfortunately, there is only one sure-fire way to improve your credit rating, and that is to make regular and consistent payments.

If for some reason you are unable to get by with the credit card limit decreased, consider working to pay this one off, and then getting a secured credit card with the limit you desire. (With a secured card, you give the bank the money in advance, and that total then becomes your credit limit. The bank has, essentially, no risk, but your credit report still reflects the positive payments.)

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Q: What to do when your credit card limit is decreased?
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