I have had a Barclay Master card for about 6 years now and have never been late on a payemnt. For the last year, I have been fortunate enough to pay off my card charges (an average of$500-$800) each month, negating any interest charges. My FICO is 824. I just received a letter from Barclay stating that because I do not use my credit limit of around $20K, they are lowering it to $5K. Ridiculous and unacceptable. I am penalized (a lower limit could negatively impact my credit rating) for being responsible. I contacted them, and they want me to reapply to reinstate the higher limit. No. I think I will use my AMEX gold card with no preset spending limit!