A couple of months ago I thought I paid my Macy 's card in full. Then a couple months later, I looked at my statement and it had several {$2.00} charges. Macy 's charged me interest on an account that was paid in full and because there was a balance, an automatic {$2.00} charge was given. It was something new they had just started and as a courtesy, removed all of the charges off my account and reported to the credit bureau that I was in fact not late on any credit card payments. Things took a different turn when Macy 's ( credit services ) reduced my credit limited from approximately {$3000.00} to a mere {$100.00}. I have been a card holder with Macy 's for 10 years, it was my first ever credit card. I had never been late. The reduction in credit limit caused my credit score to go down XXXX points!! I am attempting to purchase a home and because of Macy 's credit, I could be negatively impacted in my rate. I spoke with someone at Macy 's credit and they refused to increase my limit and even spoke to someone in management. 
