I had a large credit line I had never used with MBNA. Once I used it to 50% of the capacity, a rep called me and said they had reviewed my "credit rating" and lowered my limit - so that now I was OVER the LIMIT. That enabled them to charge me over-the-limit fees. I then paid them under that limit (along with the over-the-limit fees they had charged) and then they lowered the limit again, so again, I was in the same situation.
These people are scumbags, and I wish I had known before to read about them in your report!!
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