My bank just slashed my credit limit in half even though I never

>>18564736
They reigned credit awhile back when the markets crashed in 08 so it happens, just call them and ask what's the deal. I wouldn't sweat it too much. Are you monitoring your credit?

>>18564743
True, oddly enough they didn't touch my credit in 2008. Maybe there's a crash on the horizon?

Yes I do monitor my credit regularly.

>>18564736
Did you lose a job or something?

>>18564757
It's probably just an internal decision. I used work at a credit union and some times they'd clean house and either remove inactive lines of credit or reign them back if they weren't close to being maxed regularly. We sent a memo about it of course. Call up and I'm sure they'd raise it again.

>>18564736
If your credit score hasn't taken a hit, then it's not you, it's them changing their policies.

That said, I make it a habit to never carry a credit card issued from where I bank. Like I bank with Bluebird, and my one and only credit card is a Capital One Quicksilver card (Bluebird is owned by Amex, and while discover offers better rewards, they are also taken less regularly than Visa/MC).

>>18564760
Nope my employment is stable.
>>18564771
Good idea I'll call first thing tomorrow.
>>18564777
>I make it a habit to never carry a credit card issued from where I bank
Any reason other than better perks?

>>18564790
>Any reason other than better perks?
You don't shit where you eat. If something happens, and my credit goes out of control (either through my own crisis, or through identity theft or something), the place I bank will not give one iota of a shit. There is no conflict of interest, because I don't owe them any money. I'm still in good standing with the bank. But if I hit my limit and don't pay a credit card that they issued me, well, then, all of a sudden I'm not in good standing with that bank, am I?

>>18564799
That makes perfect sense.

>>18564814
It ALWAYS makes sense to keep your eggs in as many different baskets as you can manage. It keeps any single entity from having too much power over you.

Take my computer. Linux Mint is the OS. Duckduckgo is the search engine. Tutamail is the email. LibreOffice for office documents. Pandora for music. Youtube for videos. Firefox as one web browser, but I regularly use Brave as well. If any single thing decides to go nuclear on me, it's not a huge loss.

Compare this to if I had a Chromebook. Chrome OS (google owned), Chrome browser (google owned), Gmail (google owned), Google Search (google owned), etc, etc. If google, for whatever reason, has a grudge against me, they have EVERYTHING I do online.