Has your credit limit been lowered? Here’s why it matters: When your credit limit drops, it increases your credit utilization ratio, the percentage of your available credit that you’re using. A higher utilization ratio can hurt your credit score, even if your spending habits haven’t changed. Lower limits can also reduce your overall buying power and impact your credit profile. Always keep an eye on your accounts and talk to your lender to understand why the limit was reduced and what steps you c
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