In early XXXX my family had a health crisis so my credit utilization spiked. Twice in XXXX XXXX raised my credit limit and my home depot credit card raised it once because of the falling utilization ratios. In XXXX XXXX, XXXX I made a {$2000.00} payment to my Citi Simplicity card. Then a few weeks later I did a cash advance and on XXXX XXXX i made a {$500.00} payment. The card was below 50 % Utilization. Then on XXXX XXXX they sent me a notice that my debt levels are too high and for this they are cutting my limit in half to {$1700.00} which put my utilization at close to 100 %. By XXXX XXXX I had payed {$12000.00} dollars worth of debt back to my XXXX credit cards and a personal loan that was taken out. My credit score then was above XXXX. Now because of the cut in the card it is now in the high XXXX 's. As a result my auto insurance which is based off of credit went up {$100.00} despite having a perfect driving record. This also disqualifies me from purchasing a home as the minimum is XXXX credit score. The attached documentation shows that XXXX XXXX raised my limit and the other documents show why and when Citi lowered my limit. I do not understand why XXXX credit card will raise my limit twice in one year but XXXX will cut it after I pay it down to 50 %. They have to know that this hurts your credit rating. Thank you. 
