I opened a Best Buy credit card in XX/XX/XXXX and was granted a {$500.00} credit limit. I have had the card since that time and I kept my balance at approximately {$200.00}. XX/XX/XXXX I received a letter from Citibank who happens to service the credit card telling me that my credit limit has been lowered to {$250.00} due to information reported to them by my credit bureau. I was recently laid off from a job that I held in XXXX for 5 years in XX/XX/XXXX which is why there are slow pays on my credit bureau. This practice seems almost predatory in the sense that I had my balance at a responsible dollar amount and Citibank felt it necessary to lower my limit which now makes my utilization seem inflated. I do n't want them to increase my limit but why would they decrease it and make this line of credit hinder my already suffering credit score due to my unfortunate circumstance of being laid off from my job! 
