I received a letter dated XXXX XXXX, 2015 indicating that Citibank reduced the credit limit on my Sears Credit Card from {$16000.00} to {$2000.00} because I have not used my card recently. The reduced credit limit was so low that if I had gone to a Sears to make any substantial purchase in between when the credit line was reduced and the time I got the letter the transaction would have either been denied, causing considerable embarrassment, or potentially gone over my limit and may have incurred an overlimit fee. 
