I have ( XXXX ) citi cards, XXXX visa and XXXX mastercard. This pertains to my citi visa card. Earlier in the year, I did a balance transfer in order to pay the balance without APR. Since then, I charged additional dollars on my citi vsa card during a certain 2 months. I always pay my cards on time and alot more than the minimum balance due. Since XXXX I have {$4700.00} toward this card. They have lowered my limit twice this due to " credit report review. '' They have not disclosed specifically about what caused the limit to decrease. Once I called and they told me due to another delinquent payment on another card. This is untrue because I have not had any delinquent payments to another card. I pay all cards on a regular scheduled basis. They said they sent me a notice but the email notice only includes the notification of the decrease limit. These actions are contributing to a lower score because it seems as if I am more maxed out than I would be if the limit stayed the same as it was in the beginning of the year. I asked the representative today where does it show that they are allowed to lower my limit. She said in my terms and conditions. I could not find the statement that shows this information. Then she mentioned it does disclose my APR could change. However, a change in APR is completely different than changing my credit limit. I wanted to to understand why they were doing this. Asked for a supervisor. Their response, " There is nothing we can do for you but have you reapply for a limit increase.It is too late to do anything from the credit decrease in XXXX. '' XXXX, I think I remember doing this already earlier in the year and still were not able to give me any more information. I am on a vigorous financial plan to payoff the credit cards, $ XXXX per month and have been for 7 months. I do n't charge more to the cards with the exception of one because there is no APR on it and they are business expenses. I do not live off the cards and have enough income and managing everything appropriately. They have failed to provide sufficient information as to why they are taking this action which adversely affects my credit score while I am trying to retain my credit score. 
