I have been a cardholder of the Barclaycard for about two or three years I believe. I never missed a single payment with this card, and I never missed a payment with any of my credit cards since 2008. The bank abruptly and capriciously cut my credit limit, which changed my utilization ratio. There was no conversation, no alert, no details -- they just cut the limit. I tried to deal with the bank, expressing my extreme dissatisfaction. However, all I got were excuses and stories in my opinion. Eventually I did reach someone who was able to " appeal '' the downgrade. After extensively explaining my financial details they put me on hold and returned like a minute later to say they wo n't do anything. I also tried the " Office of the President, '' but that seemed to be a total waste of time also. I had a great experience with the Barclaycard and never missed a payment, I often made considerable payments on the card and would consider myself a great customer. The fact that the bank abruptly changed my credit limit is very concerning, and a law should be considered to keep them from acting this way because it can damage the credit score of a cardholder through no fault of their own. I would appreciate any assistance that the Bureau of Consumer Financial Protection can offer. 
