I truly agree with you. I to was totally embarassed by the same situation you been in. I went xmas shopping for my grandkids only to find out walmart had lowered my credit limit. Never missed a pyt always paid more than the miniium pyt, never gone overlimit. Walmart gave me a creditline increase only to then take it away. I called walmart only to get an excuse that the economy is bad and I was not the only customer whose creditline had been reduced. What a joke.