Last month they cut my limit in half because I never got my balance above half. I was fine with that. But this month they said they are increaseing my APR from 6.5% to 15% because of the ratio of my balance to available credt. In other words I was at 50% of available credit they cut my available credit to a few hundred above my balance then want to increase my percentage because I have little available credit. I also am taking advantage of the keep the balance and not ge the increase.