text: But you have to be aware of the limit in order to ask for a temporary increase. The point that I am making is that the bank lowered the limit  by a substantial amount without making the card holder aware of the change.  My cc provider regularly sends me offers to increase my limit, so it stands to reason that they should notify a card holder before arbitrarily lowering a limit, particularly if  the change could lead to embarrassment or penalties for the card holder.